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HRA 11/18/1993 - 6338HOUSING AND REDEVELOPMENT AUTHORITY MEETING THURSDAY, NOVEMBER 18, 1993 7:30 P.M. WILLIAM BURNS EXECUTIVE DIRECTOR OF HRA CITY OF FRIDLEY A G E N D A HOUSING & REDEVELOPMENT AUTHORITY MEETING THURSDAY, NOVEMBER 18, 1993, 7:30 P.M. Location: Council Chambers Fridley Municipal Center CALL TO ORDER ROLL CALL APPROVAL OF MINUTES: October 14, 1993 ACTION ITEMS: PRESENTATION BY DR. DENNIS RENS AND REBECCA KEENAN, FRIDLEY SCHOOL DISTRICT #14 . . . . . . 1.1 CONSIDER RESOLUTION TO AUTHORIZE EXECUTION OF DEVELOPMENT CONTRACT, ECO FINISHING. . . . . . . . . 2.1 -2.3 DISCUSS SCATTERED SITE ACQUISITION. . . . . . . . . . . 3.1 -3.3 CONSIDER APPLICATION FOR MHFA COMMUNITY REHABILITATION FUND PROGRAM . . . . . . . . . 4.1 -4.4 CLAIMS AND EXPENSES . . . . . . . . . . . . . . . . . . 5.1 -5.3 INFORMATION ITEMS: RICE PLAZA UPDATE . . . . . . . . . . . . . . . . . . 6.1 -6.2 FRIDLEY TOWN SQUARE UPDATE . . . . . . . . . . . . . . . 7.1 -7.4 WESTMINSTERUPDATE. . . . . . . . . . . . . . . . . . . 8.1 MEETING DATES FOR DECEMBER THROUGH MAY 1994 . . . . . . 9.1 HEDMAN ACQUISITION UPDATE . . . . . . . . . . . . . . .10.1 -10.6 DISCUSS REQUEST BY PARSON'S ELECTRIC. . . . . . . . . .11.1 -11.4 OTHER BUSINESS ADJOURNMENT CITY OF FRIDLEY HOUSING & REDEVELOPMENT AUTHORITY MEETING, OCTOBER 14, 1993 CALL TO ORDER: Chairperson Commers called the October 14, 1993, Housing & Redevelopment Authority minutes to order at 7:30 p.m. ROLL CALL: Members Present: Larry Commers, Virginia Schnabel, John Meyer, Duane Prairie Members Absent: Jim McFarland Others Present: Barbara Dacy, Community Development Director Grant Fernelius, Housing Coordinator Craig Ellestad, Accountant Jim Casserly, Consultant Dr. Spencer Johnson, Columbia Park Properties Matthew Karl, Frauenshuh Management Co. Douglas Mayo, Westminster Corporation Deborah Gustafson, Bridgewater Financial Group APPROVAL OF SEPTEMBER 9, 1993, HOUSING & REDEVELOPMENT AUTHORITY MINUTES: MOTION by Mr. Prairie, seconded by Ms. Schnabel, to approve the September 9, 1993, Housing & Redevelopment Authority minutes with the following correction on page 2, paragraph 5, middle of page: change "Moon Plaza" to "Rice Plaza ". UPON A VOICE VOTE, ALL VOTING' AYE, CHAIRPERSON COMMERS DECLARED THE MOTION CARRIED AND THE MINUTES APPROVED AS AMENDED. 1. TABLED: CONSIDER RESOLUTION AUTHORIZING A MODIFICATION TO THE REDEVELOPMENT PLAN, ECO FINISHING, INC.: MOTION by Ms. Schnabel, seconded by Mr. Prairie, to remove this item from the table. UPON A VOICE VOTE, ALL VOTING AYE, CHAIRPERSON COMMERS DECLARED THE MOTION CARRIED UNANIMOUSLY. Ms. Dacy stated that at the last meeting, the HRA tabled this item until the City Council conducted a public hearing on the amendment to the redevelopment plan and determined whether or not the Council wanted to create a tax increment district for ECO Finishing. The Council ultimately decided they did not want to establish a tax HOUSING & REDEVELOPMENT AUTHORITY MTG. , OCT. 14, 1993 - PAGE 2 increment district; however, they did add the parcel into the redevelopment project area. Ms. Dacy stated it would be in order for the HRA to pass a similar resolution if the HRA approves of the modification of the redevelopment plan. Secondly, staff is asking the HRA to consider providing ECO Finishing with a $125, 000 loan. Ms. Dacy stated that on page 1.6 of the agenda was Mr. Casserly's proposed amortization schedule on the loan that would be spread over six years. At a 5% interest rate, the first two years with principal and interest would be deferred. The HRA would gain approximately $22,354 in interest, and the loan would be repaid at the end of six years. Ms. Dacy stated that regarding the creation of a tax increment district, the Council was very concerned about the new state law which would subtract local government aid and HACA from the community if a tax increment district is created. However, by adding the parcel into the redevelopment project area, assistance is still provided to ECO Finishing, and the HRA does recoup its funds plus interest on the loan. Ms. Dacy stated that Deborah Gustafson of Bridgewater Financial Group is at the meeting on behalf of ECO Finishing, Inc. Ms. Gustafson put together the SBA financing for the project. Ms. Gustafson stated ECO Finishing is planning to construct a 29, 000 sq. ft. building in Fridley. In addition to the building, there will be $1.5 million in new equipment costs. ECO Finishing is making a substantial investment into this project, and this project will create 30 new jobs for Fridley. MOTION by Mr. Meyer, seconded by Ms. Schnabel, to approve Resolution No. HRA 9 - 1993, "A Resolution Modifying the Redevelop- ment Plan for Redevelopment Project No. 1 to Reflect Increased Project Costs and Increased Geographic Area within Redevelopment Project No. 1 and Modifying the Tax Increment Financing Plans for Tax Increment Financing Districts No. 1 through No. 12 to Reflect Increased Project Costs and Increased Geographic Area within Redevelopment Project No. 1". UPON A VOICE VOTE, ALL VOTING AYE, CHAIRPERSON COMMERS DECLARED THE MOTION CARRIED UNANIMOUSLY. Mr. Commers thanked Ms. Gustafson for coming to the meeting. He stated the HRA hopes this is a very successful project for ECO Finishing. Mr. Casserly stated the development contract has been prepared and will be brought back to the HRA for approval at the November meeting. HOUSING & REDEVELOPMENT AUTHORITY MTG., OCT. 14, 1993 - PAGE 3 2. CONSIDER AGREEMENT. FRIDLEY PLAZA OFFICE BUILDING PARKING: Mr. Commers stated that at the last meeting, the HRA members had some questions regarding the leasehold agreement. Staff has addressed those questions in a memo from Barbara Dacy dated October 7, 1993. Staff is recommending the HRA pass a motion approving the "Amended and Restated Leasehold Agreement" for the Fridley Plaza Office Building parking lot. MOTION by Ms. Schnabel, seconded by Mr. Prairie, to approve the "Amended and Restated Leasehold Agreement" for the Fridley Plaza Office Building parking lot. UPON A VOICE VOTE, ALL VOTING AYE, CHAIRPERSON CONNERS DECLARED THE MOTION CARRIED UNANIMOUSLY. 3. CONSIDER REQUEST FOR TIF ASSISTANCE. WESTMINSTER CORPORATION: Ms. Dacy stated that four years ago, a similar, but different, request by Westminster was evaluated by the City. At that time, Westminster was proposing a market rate project. For a variety of reasons, Westminster did not pursue that project. Now, Westminster has submitted an application to the Department of Housing & Urban Development and has received approval for a "capital grant" to construct a 51 -unit, low income, elderly apartment project just north of St. William's Church on 5th Street. Ms. Dacy stated that in February and March 1993, Westminster received the required land use approvals from the Planning Commission and City Council for the project. Westminster is now requesting $82,000 in tax increment assistance for the project. The purpose for the assistance is for land writedown and site preparation. Staff has suggested to the HRA and to the petitioner that the assistance be provided through "pay -as- you -go ". The parcel is already in Tax Increment District No. 1, so there is no need to create a new district. The $82,000 is well within the recommended guidelines for a "pay -as- you -go" project. It is about 3% of the project cost which is around $2.5 million. The assistance would be paid back in about 3 1/2 years. Ms. Dacy stated staff is recommending that the HRA authorize staff to continue to the development contract stage with Westminster Corporation to prepare a development agreement for HRA approval at a future meeting. Mr. Doug Mayo, Westminster Corporation, stated that since last spring, the project has gone through some minor revisions and design changes. The project is for a three story, 51 -unit building designed to house senior citizens. Fifty of the units will be one bedroom units for seniors on rental assistance. One unit without rental assistance will be a two bedroom unit for the caretaker. HOUSING &__REDEVELOPMENT AUTHORITY MTG., OCT. 14. 1993 - PAGE 4 Mr. Mayo stated this was a senior citizen project submitted to HUD several years ago. Westminster obtained a reservation of funds, and they have been working through the development process since then. They are now working on submitting an application for HUD's firm commitment. They hope to have some firm numbers in a couple of weeks and submit their application to HUD by mid- November so they will probably get their commitment from HUD in January 1994, with construction starting in mid to early April. Mr. Mayo stated the building will have a community room for use by the tenants. There will be lounges on the second floor and third floor. Westminster runs a strong resident service program for its tenants, and there will be a resident service advisor assigned to the project to assist the tenants in running programs. Mr. Commers asked if there is any loss to the City. Mr. Casserly stated, no, this project will have a substantial contribution to the development program. Mr. Meyer asked if there will be any type of resident prescreening program. He stated the City is embarking on a number of ways to start upgrading their housing stock. Many other communities are finding that a prescreening process for prospective tenants helps prevent huge amounts of damage and deterioration to rental units. Mr. Mayo stated that in his experience with their elderly housing projects, they do not have any problem with seniors. Seniors treat the property very well. Typically, senior citizen projects are very low maintenance because there is literally no damage to the units. Ms. Schnabel asked if tenants will come from the Fridley area, or will they come from all over the metropolitan area? Mr. Mayo stated that there is the potential for tenants to come from all over the metropolitan area: When the elderly leave their homes or environment, they do not like to move very far away, so he would expect that most of the tenants will come from Fridley or communities immediately surrounding Fridley. However, this is a federally assisted project so it has to be open to anyone who is income eligible in the metropolitan area. Mr. Commers asked the square footage of the units. Mr. Mayo stated each unit is 540 square feet. Mr. Commers asked what the typical market rate rental would be? Mr. Mayo stated that $265 per unit per month is needed to cover operating expenses for each unit on an annual basis. The market HOUSING A REDEVELOPMENT AUTHORITY MTG.. OCT. 14. 1993 - PAGE 5 rate rent would be around $500 -600 per unit per month, but that is not a factor, because the tenants will only pay 30% of their adjusted gross income. Typically, residents pay about $150 per month, some higher, some lower. In some cases, rental assistance is loot. Mr. Commers stated he is very familiar with this project. In the early 19701s, he chaired a committee at St. William's to try to do this same kind of project, but they were unable to do so. He is very glad to see this project, and he fully supports it. He believed this project is responsive to some of the issues that have been raised as far as housing for the elderly in the City of Fridley. It is very difficult for churches to do these kinds of projects on their own, and they need a corporation like Westminster to construct and manage these projects. Mr. Meyer stated that in looking at the elevation, it looks like an ugly building. Mr. Mayo stated there are several things HUD will not pay for. One of the reasons they are asking for TIF funds is for some design changes that Westminster would like and the City would like that will enhance the appearance of the building and make it more attractive. Ms. Dacy stated that when Westminster went through the process in February /March 1993, the Planning Commission and City Council studied the elevations of the building at great length. Attached to the approval of the special use permit was a stipulation that the exterior of the building would be constructed of brick. At that time, Westminster indicated that brick was expensive and that HUD may or may not approve a brick exterior. However, the City wanted to send the message. to HUD, via the special use permit, that the City preferred brick as the predominant material in the downtown Fridley area. If HUD did not approve the brick exterior, then the Planning Commission and City Council reviewed another plan for a combination of rock face block along the bottom with aluminum siding and brick accents. The design changes referred to by Mr. Mayo, the roof and chimney accents, will help to improve the design. MOTION by Mr. Prairie, seconded by Ms. Schnabel, to approve in concept the request for tax increment assistance in the amount of $82,000 by Westminster Corporation and to authorize staff to prepare a development contract for final HRA approval. UPON A VOICE VOTE, COMMERS ABSTAINING, CHAIRPERSON COMMERS DECLARED THE MOTION CARRIED. 4. REVIEW SCATTERED SITE ACQUISITION POLICY AND AUTHORIZE ACQUISITION NEGOTIATIONS FOR 560 HUGO STREET N E HOUSING & REDEVELOPMENT AUTHORITY MTG.. OCT. 14, 1993 - PAGE 6 Mr. Fernelius stated that at the October HRA meeting, staff proposed a recommendation to divide the pool of funds for the Scattered Site Acquisition Program in'half. Fifty percent of those funds would be allocated to the general acquisition of blighted properties, and the other 50% would be allocated to properties which staff has identified, through the Housing Rehab Program, as properties that could not be repaired because they are in such a deteriorated condition. Since that time, staff has identified several properties they would recommend to acquire for each pool of funds. Pool A: Housing Rehab Program Mr. Fernelius stated there are two properties which were identified, through the prescreening process and inspections, as substandard and in such poor condition that rehab is not feasible, at least financially. Staff prioritized one of those properties over the other. Mr. Fernelius stated ohe of those properties is 100 Charles Street on the corner of East River Road and Charles Street. It is a 105 foot wide by 200 feet deep lot which consists of one single story, single family structure of about 572 square feet and a deteriorated garage. There are a number of apartment buildings located in the general vicinity of this particular site. The house is occupied. The inspector indicated there are a number of deficiencies with this property, including a bad electrical system, plumbing system, deteriorated windows and doors, and deteriorated flooring. Mr. Fernelius stated the other property which staff identified as a higher priority to acquire is 560 Hugo Street N.E. This property has a history of problems. which include exterior maintenance of the building, noxious weeds, and outside storage of junk and other debris. An addition which was originally constructed in 1976 is still unfinished. There are other electrical and plumbing violations that exist, as well as an inadequate heating system. Mr. Fernelius stated that in 1992, the owner of 560 Hugo Street applied to Anoka County for housing rehab assistance and was denied. ACCAP was the agency administering the program at that time, and their inspector made a similar assessment of the property. At that time, the City's building inspector inspected the property and said it was in pretty bad shape. Mr. Fernelius stated the property at 560 Hugo Street has an estimated market value of $38,896. The property consists of two 25 ft. by 110 ft. lots for a total of 5,550 square feet. Under the current City code, this ,is an unbuildable lot without a variance. In light of these facts, staff feels the only option would be to begin negotiations with the owner for voluntary acquisition. HOUSING & REDEVELOPMENT AUTHORITY MTG., OCT. 14, 1993 - PAGE 7 Mr. Fernelius stated there is a property immediately to the east which appears to be abandoned. There is the possibility of acquiring that property with funds under the same program in the future and combine the properties for a buildable lot. Ms. Schnabel stated acquiring 560 Hugo Street would certainly be a start in improving the neighborhood, with the hope that they can also acquire the adjacent property. Mr. Commers stated maybe they should do the- abandoned site acquisition on the property next to 560 Hugo Street instead of acquiring the property at 513 Fairmont Street N.E. which is being recommended for acquisition under the General Acquisition Program. They need to have some strategy with these programs. Mr. Fernelius stated that is a possibility, but 513 Fairmont is a high priority also. Ms. Dacy stated they will find out if the property is abandoned and the selling price. Pool B: General Acquisition Program Mr. Fernelius stated this pool of money will be used to acquire abandoned, substandard, and /or vacant properties which are considered blighting influences. He stated staff started with a list of all residential properties (131) with an estimated market value of $50,000 or less. Staff then separated out those properties (13) which had previously been classified in a windshield survey in February 1993 as one or two level priorities (13 properties). They focused on level one priorities (5 properties). Two of those properties (100 Charles Street and 560 Hugo) left three properties to consider. Mr. Fernelius stated staff used a Scattered Site Acquisition worksheet which evaluated properties on a number of criteria which included whether or not the property was located in a target neighborhood (Riverview Heights or Hyde Park), the size of the lot, cost involved, and in an at risk location. After that assessment, staff prioritized the remaining three properties as follow: 513 Fairmont (the highest priority for-acquisition), 8280 East River Road, and 1632 Rice Creek Road. Mr. Fernelius stated 513 Fairmont Street is another property that is unbuildable under current code without a variance. The size of the lot is 50 ft. by 110 ft. The house has been vacant since July 1992 and staff has received numerous complaints from surrounding neighbors. The Public Works Department had to secure the building because kids had broken the windows and were getting into the house. HOUSING & REDEVELOPMENT AUTHORITY MTG.. OCT. 14, 1993 - PAGE 8 Mr. Fernelius stated that regarding 8280 East River Road and 1632 Rice Creek Road, staff is recommending that the City initiate negotiations with these property owners to see if' they are interested in selling their homes on a voluntary basis in order to avoid relocation costs. If they are interested, then staff would get appraisals on the properties and come back to the HRA at a future meeting for approval to make formal offers. Ms. Schnabel stated that the first thing staff should do before contacting the property owners is to find out if there are any outstanding debts or liens against these properties. Mr. Commers stated that if 513 Fairmont is abandoned and in foreclosure, the City should be careful and should probably get a legal opinion on how to best go about acquiring the property. Ms. Dacy stated there are a couple of neighbors who might be interested in purchasing the property at 513 Fairmont. Ms. Schnabel asked if these neighbors would be interested in purchasing this property on their own without City involvement when they know it is available. Ms. Dacy stated that is possible. Mr. Commers stated he believed it is the consensus of the HRA members to approve the concept of acquiring these properties, subject to staff obtaining more information on the financial aspects of these properties before making any offers. Ms. Dacy asked if the HRA would like staff to investigate the status of the property next to 560 Hugo Street N.E. Mr. Commers stated, yes, staff should do that. 5. LAKE POINTE MARKETING STATUS: Ms. Dacy stated the proposal submitted by Busch & Partners, Inc., was the lowest cost proposal of the three proposals reviewed by Mayorf,Nee, Mr. Burns, Mr. Commers, Mr. Casserly, and herself. Staff believes that Busch & Partners is the best qualified advertising firm to assist the City in advertising and marketing of Lake Pointe. Busch & Partners is proposing a combination of a number of advertising and marketing tools. They divided the proposal into phases. In the first phase, they will identify the prospects, work on the Lake Pointe image, and write a series of marketing materials. They are also looking at some on -site signage. In the second phase, they will continue the advertising effort. They are suggesting an editorial in the Minnesota Real Estate Journal and more bi- monthly direct mail campaigns, more participation in real estate exhibits, and a number of activities HOUSING & REDEVELOPMENT AUTHORITY MTG., OCT. 14, 1993 - PAGE 9 to present this site and market this site in the development community. Ms. Dacy stated the small subcommittee who reviewed the proposal is recommending that the HRA authorize staff to execute a contract with Busch & Partners, Inc., for $37,500. This is well within the budget guidelines developed by the HRA in the 1993 budget. Thirty thousand dollars were allocated for advertising, and $30,000 were allocated for a marketing consultant. MOTION by Ms. Schnabel, seconded by Mr. Meyer, to authorize staff to execute a contract with Busch & Partners, Inc., for advertising and marketing the Lake Pointe site at a cost not to exceed $37,500. UPON A VOICE VOTE, ALL VOTING AYE, CHAIRPERSON COMMERS DECLARED THE MOTION CARRIED UNANIMOUSLY. 6. CLAIMS AND EXPENSES: Mr. Ellestad added the following checks to the check register: #2046 - ICMA (retirement) #2047 - David J. Anderson (aerial photo of Lake Pointe) #2048 - Barna, Guzy & Steffen (Sept. legal services) #2049 - Briggs & Morgan (legal work) #2050 - Casserly (Sept. legal expense) #2051 - Isaacson Lawn Care (Lake Pointe maintenance) #2052 - Minnegasco (Rice Creek Plaza utilities) #2053 - Richfield Bank and Trust (Greenmasters) Ms. Dacy stated that staff has been working with Fay Wegner for the last year and a half. She has provided excellent consulting advise on how to establish the housing programs, specifically the Housing Mortgage Assistance Program. Ms. Dacy stated the HRA members have never formally discussed a fee for Ms. Wegner's consulting services. She wanted the HRA members to be aware that Ms. Wegner will be soon be submitting an invoice in the amount of $7,000. She stated the HRA budget does include an allocation of $28,000 for Professional Services, so there are funds available to pay for these services. She stated Mr. Burns has reviewed and approved Ms. Wegner's request. Mr. Commers stated that the HRA should have been made aware of this sooner. They are being asked to approve an expenditure that is after the fact, and that is not right. Ms. Dacy stated she did not disagree with Mr. Commers. However, on several occasions, staff asked Ms. Wegner to provide the HRA with an hourly rate, a contract, or a quote, and she did not do that. Ms. Dacy stated this is an unusual situation, and it is not the way staff usually operates. r HOUSING & REDEVELOPMENT AUTHORITY MTG., OCT. 14, 1993 - PAGE 10 MOTION by Mr. Prairie, seconded by Ms. Schnabel, to approve the check register, checks #2419 -2453. UPON A VOICE VOTE, ALL VOTING AYE, CHAIRPERSON CONNERS DECLARED THE MOTION CARRIED UNANIMOUSLY. 7. RICE PLAZA UPDATE: Mr. Commers stated this is an information item only. Apparently, the two remaining tenants, STS Temporary and Hong Kong Kitchen, have found new locations. STS Temporary will be out by November 1 and Hong Kong Kitchen will be out by the middle of December. 8. UPDATE ON SALES TAX IMPACT: Mr. Commers stated that at the last meeting, he had questioned whether or not the City had to pay sales tax for the full contract amount for Isaacson Lawn Care (Lake Pointe maintenance) or only for the unpaid balance of the contract. In a memo dated October 5, 1993, Mr. Ellestad states that the sales tax is due on the entire amount of the contract. 9. DISCUSS OPTION PROPERTIES AT LAKE POINTE: Mr. Commers stated that regarding Lake Pointe, the HRA members had received a copy of a memo dated October 4, 1993, from Jim Casserly stating that he has been informed by Tom Threlkeld of Bayport Properties, who is representing BBMI in its search for a location for a new medical facility, that even though the Fridley Lake Pointe site was attractive, BBMI has decided to select the City of Plymouth where BBMI is currently located. Mr. Casserly stated that as a result of these discussions, he is putting together an analysis which shows what kind of density is needed at Lake Pointe to recover the HRA's investment in the project. Mr. Commers stated that regarding the option properties at Lake Pointe, at the last meeting, the HRA had asked staff to contact Ms. Sadie Gunderson and Mr. David Hedman to see if they were willing to extend the options on their properties for one more year. Any development of the Lake Pointe property will require the HRA to acquire the Hedman property. Mr. Commers stated that according to Ms. Dacy's memo dated October 7, 1993, Mr. Hedman is very anxious to sell his property and move. He is not interested in extending the option for one more year. Ms. Gunderson is willing to extend the option for one more year. Mr. Commers stated that if the HRA is going to spend a lot of money marketing the Lake Pointe site to attract a development within the HOUSING & REDEVELOPMENT AUTHORITY MTG., OCT. 14, 1993 - PAGE 11 next two years, it might make sense to acquire the Hedman now in a voluntary type of setting. On the other hand, he did not like to see them take -that property and hold it when they do not have a development proposal. But, it is also not a very good situation if Mr. Hedman sells the property and then the HRA has to take the property from the new owners in two years. MOTION by Mr. Prairie, seconded by Ms. Schnabel, to authorize staff to begin negotiations for the purchase of the Hedman property and to authorize staff to obtain a one year option on the Gunderson property at a cost of $500. UPON A VOICE VOTE, ALL VOTING AYE, CHAIRPERSON COMMERS DECLARED THE MOTION CARRIED UNANIMOUSLY. Ms. Dacy stated that if the HRA acquires the Hedman property, staff could approach ACCAP to see if they are interested in purchasing the house and moving it off the property. 10. OTHER BUSINESS: a. Letter from Bob Welle, Reliance Real Estate Services, Inc. Ms. Dacy stated she has received a letter dated October 8, 1993, from Bob Welle of Reliance Real Estate Services. Mr. Welle would like the HRA to receive this letter into the record. No action is needed at this time. Mr. Welle would like the HRA to discuss the following issues at future HRA meetings: 1. The HRA discuss acquisition of the Suh property when the HRA discusses its 1994 budget. 2. The HRA make a motion to establish a policy of a willingness to sell the Dairy Queen and service station properties separately from the Rice Plaza property. 3. The HRA grade with aggregate or paving materials over the Rice Plaza property after demolition to allow a more convenient access to the Suh property. Mr. Commers asked staff to get more specific information from Mr. Welle regarding a possible development on the corner which includes the Dairy Queen and service station properties. MOTION by Ms. Schnabel, seconded by Mr. Prairie, to receive the letter dated October 8, 1993, from Bob Welle, Reliance Real Estate Services, Inc. •1 HOUSING & REDEVELOPMENT AUTHORITY MTG., OCT. 14, 1993 - PAGE 12 UPON A VOICE VOTE, ALL VOTING AYE, CHAIRPERSON COMMERS DECLARED THE MOTION CARRIED UNANIMOUSLY. b. HRA Meeting Dates Ms. Dacy stated that Mr. Burns has a conflict with the HRA meetings on the second Thursday of each month. He would like the HRA to consider moving the meeting dates to the first Thursday of each month for calendar year 1994. The HRA can think about this and make a decision at their November meeting. Ms. Dacy reminded the HRA members that the next meeting is on November 18, rather than November 11, as November 11 is Veterans' Day and the Municipal Center will be closed. ADJOURNMENT: Chairperson Commers declared the October 14, 1993, Housing & Redevelopment Authority meeting adjourned at 9:50 p.m. Respectfully sub itted, L Saba Rec ding Secretary I — J Community Development Department HouswG AND REDEVELOPMENT AUTHORITY City of Fridley DATE: November 10, 1993 TO: William Burns, Executive Director of HRA FROM: Barbara Dacy, Community Development Director SUBJECT: Presentation by School District #14 Representatives Dr. Dennis Rens and Rebecca Keenan of School District #14 will be present at the HRA meeting to update the HRA on current school district activities. No action is needed by the HRA on this item. BD:ls M -93 -658 r � 2.1 Community Development Department HOUSING AND REDEVELOPMENT AUTHORITY City of Fridley DATE: November 10, 1993 TO: William Burns, Executive Director of HRA FROM: Barbara Dacy, Community Development Director SUBJECT: Consider Resolution to Authorize Execution and Delivery of Development Contract for ECO Finishing, Inc. At its October 1993 meeting, the HRA authorized staff to prepare a development contract to provide a $125,000 loan to ECO Finishing. ECO Finishing is constructing a 29,000 square foot plating facility at the northwest corner of 51st Way and Industrial Boulevard. Consistent with other development contracts, the enclosed develop- ment contract requires issuance of a certificate of completion prior to the HRA issuing the loan. The loan is proposed to be repaid over a six year period at a 5% interest rate. Victor Rosenblum is defined as the "redeveloper" in the development contract; therefore, he, alone, is responsible for repayment of the $125,000 loan. Recommendation Staff recommends the HRA* approve the enclosed resolution authorizing execution and delivery of the development contract between the HRA and Victor Rosenblum. BD:ls M -93 -665 2.2 HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF FRIDLEY COUNTY OF ANOKA STATE OF MINNESOTA RESOLUTION NO. A RESOLUTION AUTHORIZING EXECUTION AND DELIVERY OF A CONTRACT FOR PRIVATE REDEVELOPMENT BY AND BETWEEN THE HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY FRIDLEY AND VICTOR ROSENBLUM. BE IT RESOLVED by the Board of Commissioners (the "Commissioners ") of the Housing and Redevelopment Authority in and for the City of Fridley, Minnesota (the "Authority ") as follows: Section 1. Recitals. 1.01. It has been proposed that the Authority enter into a Contract For Private Redevelopment (the "Contract ") with VICTOR ROSENBLUM (the "Redeveloper "). Section 2. Findings. 2.01. The Authority hereby finds that it has approved and adopted a development program known as the Modified Redevelopment Plan for its Redevelopment Project No. 1 (the "Redevelopment Program ")pursuant to Minnesota Statutes, Section 469.001 et sea. 2.02. The Authority hereby finds that the Contract promotes the objectives as outlined in its Redevelopment Program. Section 3. Authorization for Execution and Delivery. 3.01. The Chairman and the Executive Director of the Authority are hereby authorized to execute and deliver the Contract when the following condition is met: Substantial conformance of a Contract to the Contract presented to the Authority as of this date. Adopted by the Board of Commissioners of the Authority this day of , 1993. Chairman ATTEST: Executive Director CITY OF FRIDLEY, MINNESOTA PROPOSED LOAN PAYMENT SCHEDULE: ROSENBLUM PROJECT PRINCIPAL INTEREST DEFERRD INTEREST AMORTIZATION 125,000 5.00% 2 YEARS 6 YEARS W -------------------------------------------------------------------------------- ACCRUED PRINCIPAL INTEREST TOTAL DATE PRINCIPAL INTEREST PAYMENT PAYMENT PAYMENT BALANCE -------------------------------------------------------------------------------- 8 /01 / 1994 125,000 0 0 0 0 125,000 2 /01 / 1995 125,000 3,125 0 0 0 128,125 8 /01 / 1995 128,125 3,125 0 0 0 131,250 2 /01 / 1996 131,250 3,125 0 0 0 134,375 8 /01 / 1996 134,375 3,125 0 0 0 137,500 2 /01 / 1997 137,500 9,967 3,438 13,404 127,533 8 /01 / 1997 127,533 10,216 3,188 13,404 117,317 2 /01 / 1998 117,317 10,472 2,933 13,404 106,845 8 /01 / 1998 106,845 10,733 2,671 13,404 96,112 2 /01 / 1999 96,112 11,002 2,403 13,404 85,110 8 /01 / 1999 85,110 11,277 2,128 13,404 73,834 2 /01 / 2000 73,834 11,559 1,846 13,404 62,275 8 /01 / 2000 62,275 11,848 1,557 13,404 50,427 2 /01 / 2001 50,427 12,144 1,261 13,404 38,284 8 /01 / 2001 38,284 12,447 957 13,404 25,836 2 /01 / 2002 25,836 12,759 646 13,404 13,078 8 /01 / 2002 13,078 13,078 327 13,404 0 - - - -- 12,500 - - - - - -- 137,500 - - - - -- 23,354 - - - - - -- 160,854 ROSE2 PREPARED BY CASSERLY MOLZAHN & ASSOCIATES 23- Sep -93 I` a° 0 1 Community Development Department HOUSING AND REDEVELOPMENT AUTHORITY City of Fridley DATE: November 10, 1993 TO: William Burns, Executive Director of HRA FROM Barbara Dacy, Community Development Director Grant Fernelius, Housing Coordinator SUBJECT: Scattered Site Acquisition Program At the October 14, 1993, HRA meeting, staff presented the following recommendations: 1. Divide the program budget in half; $50,000 for general acquisition of blighted properties, and $50,000 for severely deteriorated properties which could not be repaired under our housing rehab program, and 2. Begin negotiations on potential acquisition of two properties, specifically 560 Hugo Street and 513 Fairmont Street. The HRA had no objection to the first recommendation; however, they did have some concerns with the properties staff identified. At the meeting, we indicated that both properties were considered non- buildable-under the zoning code due to lot size. If acquired, a new home could not be constructed without a variance. As a practical matter, this would probably be unlikely, in addition to the fact that it would be difficult to attract a builder because of the small lots. Nonetheless, we recommended acquisition since one property is the subject of many neighborhood nuisance complaints (513 Fairmont Street) and the other is costly to rehabilitate (560 Hugo Street). In both cases, rehabilitation is not feasible, leaving the owners with few options. The HRA .did have questions about the re -use of these sites and whether there were any mortgages or liens that should be taken into consideration. There were also questions about the procedures for negotiating a purchase. We are continuing to research these issues and will be prepared to discuss our findings at the November 18, 1993, HRA meeting. However, we would like to take some time to step back and confirm the goals of the program. After the October meeting, we were not sure if the HRA was questioning the financial feasibility of the 3.2 Scattered Site Acquisition Program November 10, 1993 Page 2 program or the goals. The intent of the program, as originally discussed, is to remove severely deteriorated abandoned ore uninhabitable homes We need to confirm whether the HRA wants to place a higher priority on buildability and financial return or other factors. Essentially, potential sites for acquisition fall into two categories: buildable and non - buildable. Generally, we have found the buildable sites to be more costly in terms of up -front acquisition, but there is the potential for greater financial return due to higher land sale income. On the other hand, non - buildable sites tend to be cheaper, but will probably be more difficult to sell. It is these properties, however, which seem to have the greatest number of deteriorated structures. Since rehabbing the homes in most cases either is not feasible or allowable (under zoning code) , owners have few options. Buyers in the private market would not be able to rehab the house or build a new home. Unless acquired, these properties will continue to be a problem in the neighborhoods, creating a potential to adversely affect values of adjacent properties. In the case of the properties on Fairmont and Hugo, the lots could be split in half and added to adjacent properties, thereby making adjacent properties conforming (see attached map). Recommendation: The scattered site program will not "break even" despite the acquisition of buildable properties. Greater financial return will likely occur with the acquisition of buildable sites, but it is unlikely that the "private market" can resolve problems arising from non - buildable sites. Staff recommends the HRA pursue acquisition of blighted properties despite the buildable status of the properties in order to remove deteriorated houses in neighborhoods. Staff will also prepare a strategy for reuse of properties prior to HRA authorization for acquisition. GF /BD:ls M -93 -656 3.3 C7 4 67 UN ;uo .01 Lf AA. fy St co 4.1 'no" � Community Development Department D HOUSING AND REDEVELOPMENT AUTHORITY City of Fridley L�ITE: November 10, 1993 TO: William Burns, Dmcutive Director of HM FR M: Barbara Dacy, Community Development Director Grant Fernel.ius, Housing Coordinator 80BMD=: Consider Application for MM Community Rehabilitation Find Program The Minnesota Housing Finance Agency (MRF'A) has announced the availability of $2,000,000 in funds for a new statewide program designed to help cities with neighborhood improvement preservation. The funds, 'Which will be issued in the form of a grant, can be used for such activities as acquisition, demolition, rehabilitation, and even gap financing. The grants will be awarded on a competitive basis and will be divided into two pools. Attached is a copy of the RFP outlining the programming features. It should be noted that the City Council must designate specific neighborhoods to receive funding. Staff has scheduled discussion on this topic for the November 22, 1993, Council conference meeting. Based on our current efforts to address rental housing, we feel the funds could be best be used for rental rehabilitation. We would propose to use these additional funds as a means of expanding our existing rental rehabilitation loan program. These new funds could be used to make direct loans to property owners who cannot apply for our existing program due to ownership restrictions ( corporations /ccupanies are not eligible under IH'A guidelines) . With a few modifications, we would have the same procedures and requirements as our existing program. Because the application is due on December 6, 1993, we need to begin work on the application immediately. Recompendation Staff recommends the HRA authorize the Housing Coordinator to prepare and submit an application for the M MA Community Rehabilitation Fund Program in the amount of $350,000. It is understood that the City Council will designate the neighborhoods to receive funding. Cam': is M- 93-655 4.2 MINNESOTA HOUSING FINANCE AGENCY COMMUNITY REHABILITATION FUND REQUEST FOR PROPOSALS The Minnesota Housing Finance Agency (MHFA) announces the availability of $2,000,000 in grants to Cities for. the improvement and preservation of housing in neighborhoods or geographic areas designated by applying Cities (designated areas). FORM OF AWARDS Funds will be awarded to Cities in the form of a grant for designated areas. The full amount of the Grant will be advanced to the City after selection of approved proposals. ELIGIBLE USES OF GRANT FUNDS Community Rehabilitation Fund grants may be used to make loans or grants to eligible recipients (eligible mortgagors) for one or more of the following activities relative to single or multi - family housing: 1. acquisition; 2. demolition. In such cases the cleared land must be used for the construction of housing, or for other housing related purposes primarily for the benefit of persons residing in the adjacent housing; 3. rehabilitation; 4. permanent financing; 5: refinancing; and, 6. financing the difference between the cost of the improvement of blighted property, including acquisition, demolition, rehabilitation, and construction, and the market value of the housing upon its sale (gapAnancing). Grant funds may not be used for administrative costs. 4.3 SIZE OF GRANTS The minimum State Grant is $30,000. The maximum State Grant is $350,000. One third (1/3) of available funds will be allocated to Designated Areas with requests for State Grants in amounts from $30,000 to $100,000 (small grant pool). Two - thirds (2/3) of available funds will be allocated to Designated Areas with requests for State Grants in amounts greater than $100,000, but no greater than $350,000 (large grant pool).. In the event Proposals selected for funding by MHFA are inadequate to exhaust the funds allocated for either small or large grant pools, the unused portion will be reallocated to the other pool. Except as provided in the Community Rehabilitation Fund Procedural Manual, a copy of which is included in the application packet, proposals will be approved for no more than two neighborhoods per city. PARTICIPATION TERM Grant funds are to be expended by Cities in the form of loans or grants to eligible mortgagors not later than June 30, 1995. DESIGNATED AREA For the purpose of focusing resources, an applying City must designate a neighborhood or other geographic area within which the grant may be used. Such designation shall be by a resolution of the City's governing board. ELIGIBLE MORTGAGORS Cities may make loans and grants to a wide variety of individuals and organizations, involved with housing, a complete description of which is contained in the Community Rehabilitation Fund Procedural Manual. Grants or loans made by the City in the Community Rehabilitation Fund program must be used for housing rented to "or owned by persons or families with incomes less than or equal to 115 percent of the greater of state or area median income, as determined by the United States Department of Housing and Urban Development. APPLICATION PROCESS Only one proposal per* neighborhood is permitted, but more than one proposal per city may be submitted. Proposals will be accepted from statutory, or home rule cities, city or county housing and redevelopment authorities, city pbrt authorities or economic development authorities. Nonprofit organizations may submit proposals if the city within which it is located enacts a resolution authorizing the organization to apply on the city's behalf. 4.4 Interested parties may request application packets from the following MHFA staff person: Minnesota Housing Finance Agency 400 Sibley Street, Suite 300 St. Paul, MN 55101 Attention: Reed Erickson (612) 296 -8843 or toll free 1- 800 - 657 -3960, extension 6 -8843 Application packets will contain a copy of this Request for Proposals, a Community Rehabilitation Fund Procedural Manual, and a Proposal Format describing the information to be included in the proposal. PROPOSALS ARE DUE BY 4:30 P.M. ON DECEMBER 6, 1993. The MHFA will review the applications and final selections should be made by the MHFA board no later than December 16, 1993. Applicants will be notified of whether they have been selected by January 7, 1994. If you have any questions concerning the Community Rehabilitation Fund or the application process, please contact the MHFA staff person named above. This Request for Proposal (RFP) is subject to all applicable federal, state, and municipal laws, rules, and regulations. MHFA reserves -the right to modify or withdraw this RFP at any time . and is not able to reimburse any applicant for costs Incurred In the preparation of submittal of applications. t CC c w } f0 a N\ Z P C �-+ A � 0 � c ti tTi \ L ^. L) r U E IL L \ L= } i_ C• O V � i9 S H Z U. ri w a o \ J Ci J w ti0> AMA aEW L7 i! G W C z '! X H IL 15 13 .0 L T ''' M'3�.°•Fi9 ?C?e- �;iao-i�P ?C" ..d�'}fi'^.. .- i'"JOrit �' ® to _ ti � � e" 1 .-i ?.. :j !. .z �.:: ?.. ,_•, fn .�. .n t rti !•: � .fir to W f fh i £A L: ' L) Uz �, M L,Cc o L) 0 c nr LJ JC. L - -' \ ?W Z :: v L L�"i v C G3 C c C^ 1%, Z a CP. 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LLI>.a o ZZZHczHzO rzC3 C {-I ='a E333 ct -Wcl- 03 F3fi0 UL9 FG)- CCCt4w iLWr Cf- HCES ZZw NAJJJ L•' -E LtN 1 JMMEJ?O O HCe- OZ A z0 3 33 UwUCGi ZL9CrZZJ 00 0 -rLw Z ZW -OC.1 O JOOW40 c L9J•r- Z )-OZ) aW US CCU)L)H CG CC woo CMX< :�CtCOWUOLLXWCLECAwf- WJUHHfs� A C3ALtHiACCUUZU3UCCL1fSCLUHC C:�ZZZC - ZtLCLIiU ?LQH .0 CHotGL @r ~ c�, �uHY;�YL,z�wLi�1L/Lf�.H�AEr_EUs Ma a a a a a a a a M a a a a 37. a a 0. a a a a 0. a \ \ \ \ \ \ \,% \ \ \ \ \ \ \ \ \ \ \ \ \ 7tin670 0 0 67d0r -f`g0.0.a.0•0, 0`1), 0, A0.0, 0,0, 40000000000 w.iaa iaaa.iv414a..•! i Ti - iaaaaa•ra.;aa.aaa .ra.s.:gaa.a.ra J s✓ is z C 1,. i- 5.1 TO: FRIDLEY KR.A FROM: CITY OF FRIDLEY RE: BILLING FOR ADMINISTRATIVE AND OPERATING EXPENSES OCTOBER 1993 ADMINISTRATIVE BILLING: ADMINISTRATIVE PERSONAL SERVICES ADMINISTRATIVE OVERHEAD TOTAL ADMINISTRATIVE BILLING: OPERATING EXPENSES: AMERICAN EXPRESS — LUNCH CORRECTION — COPIER ALLOCATION. TOTAL OPERATING EXPENSES: TOTAL EXPENDITURES — OCTOBER 1993 Re: U 2WATA\HRAXTIF\93BILLwki Account #'s for HRA's Use 5.2 Account #'s for City's Use 13,842.00 101 -0000- 341 -1200 250.00 101 - 0000 -336 -3000 460 -0000- 430 -4330 14.092.00 460- 0000 - 430 -4337 191.37 236 - 0000 -336 -3000 460 -0000- 430 -4335 0.02 236 -0000 -131 -0000 191.39 F e \ . 1 Q 1 1 1 1 W 8 m . 1 1 1 CJ ►- 1 I aWO / 1 t- a 1 1 a W 1 1 B / 1 1 1 u 1 (,� 1 1 / I 1 V 1 W,1 1 Q 1 1 � 1 1 1 1 1 1 1 1 1 . 1 1 1 1 1 / / 1 1 t 1 1 1 . / 1 1 1 1 1 . 1 1 / / 1 . � 1 1 1 1 C9 / U W W 1 W 1 1 1 W 1 1 1- (9 1 1 1 1 °a ou a S : W W 1 W 0 uj N 1 1 1 m / W -1 1 1 19 J 1 1 x W 1 1 N 1 / Q 1 1 Ci 1 1� us 1 1 a' W 1 : u j : 1 a 1 1 1 1 1 1 / 1 / 1 1 1 1 1 1 1 1 1 . 1 1 1 1 1 1 r . 1 H 1 1 1 1 Imn p a� 2 1 1 W / I £ 1 1 M 0 / 1 ID�u 1 0 1 O I W Z I \ r- W . U 1 r t7 O / W 1 �- W . cc 1 OC 1 1 p 1 1 W t7 t OC Z 1 1 CL fm w O. 0 1 / W O 1 1 OL OL a a z_ UA 1" C9 W m m S N Z m » N O Y M JJ Z. OC �L aJW I-0.-= a .-r deem 10 NNap� l=loNxo -J W W IVJSCale y a 1/ 4 1 1 I m l a 1 1 Q N WCO S S 8 5 8 M E, 00000.0000Oo 00O00OOOOOo 0 0 0 0 0 0 0 0 0 0 0 �9!N O O.O O M O O m M 0 OOO �t �ppT0O0M0 A O N%tt 000OOOOOOIno NNNNNNONOa -N Cip 1-- IInn In00 M=tnms— \.&n ,O�000f�AMO!0o �In r A - In In r - a0 00000.0000Oo 00O00OOOOOo 0 0 0 0 0 0 0 0 0 0 0 a W Q 1. 1 1 / 1 1 a o 000OOOOOOIno NNNNNNONOa -N Cip 1-- N.NpN�NpN..Np�tNI�NN MMMMMM�M—MM ��� QW2 1. 1.. 1 1 1 1/ 1 00000000000 00000000000 O—CD 21" -C caeca M M M M M M O M O O M F F 1- 1 0p.p0000�oAAO mmm NNNNNN�NSSN U a a P P a P a a Q a \ \ \ \ \ \ \ \ \ \ \ M M M N N m 0 N N M 0 0 N 0 0 0 0 0 0 0 0 \ \ \ \ \ \ \ \ \ \ \ e- a -.- - -- ��- - -- 1010 -Olar-NOpPOOO �F -NNN AAAO.AAAOPAA O W N N (W� K d N O 1- U N a OC 1- ot V r 5.3 a° 0 Community Development Department HOUSING AND REDEVELOPMENT AUTHORITY DATE: November 10, 1993 City of Fridley TO: William Burns, Executive Director of HRA FROM: Barbara Dacy, Community Development Director SUBJECT: Rice Plaza Update The remaining tenant, Hong Kong Kitchen, has signed a lease with Holly Center. A building permit is currently being processed for remodeling of one of the tenant spaces in Holly Center. The building should be vacant by the end of December 1993. In the meantime, Jim Kordiak has been negotiating for the sale of the furnace and air conditioning equipment in the building. Hopefully, this will generate some income to defray our expenses. On the January 1994 agenda, we will schedule an item for the HRA to authorize receipt of the demolition bids. The Fire Department has requested use of the building in January to perform fire training exercises. On the February 1994 agenda, we will schedule an item to receive and award the demolition bid to a contractor. In the meantime, we are preparing the specifications for the bid package, and we are also contacting the MPCA to tour the building for proper disposal of hazardous materials. We are estimating that the bids may range from $35,000- 40,000 to demolish the building. BD:ls M -93 -661 0 z i 0 F- z W M M P n. V Q c 0 R o E m v 0 m v 0 c 0 c m `co Y O Y E 0 L O 2 Q Q c� fA 3 c � rn rn E :.> 3 0 L ? � a� o Y Z a LL i m 6.2 .A.. a° 0 7,1 Community Development Department HOUSING AND REDEVELOPMENT AUTHORITY DATE: November 10, 1993 City of Fridley TO: William Burns, Executive Director of HRA FROM: Barbara Dacy, Community Development Director SUBJECT: Fridley Town Square Update Lowell Wagner advised me on November 10, 1993, that he has submitted a revised site plan to Walgreen's to address two issues. Walgreen's is reluctant to pursue the Fridley Town Square project because of lack of a second access to the property and visibility. Walgreen's apparently is not pleased that the building is located on the eastern portion of the property instead of the western portion adjacent to University Avenue. Further, Walgreen's has requested Lowell to pursue the installation of another driveway on Mississippi Street, at least an exit. In the meantime, Don Fitch is pursuing acquisition of the former Amoco property at the northeast corner of Osborne Road and University Avenue. Should the Fridley Town Square redevelopment project not.proceed, the settlement agreement approved by the HRA in September 1993 would be moot. Fitch would then have the ability to appeal the Commissioners' award on the Dairy Queen property on Mississippi Street. Lowell will be contacting me next wee Also attached for the HRA's information our attorney regarding postponement Fitch's appeal. Another update will meeting. BD:ls M -93 -663 k with Walgreen's decision. is the correspondence from of the hearing dates for be provided at the December ROBERT A. GUZY BERNARD E. STEFFEN RICHARD A. MERRILL DARRELL A. JENSEN JEFFREY S. JOHNSON RUSSELL H. CROWDER JON P. ERICKSON LAWRENCE R. JOHNSON DAVID A. COSSI THOMAS E MALONE MICHAEL E HURLEY VIRGIL C. HERRICK HERMAN L. TALLE October 29, 1993 "DOS JEA3 Barna, Guzy & Steffen, Ltd. ATTORNEYS AT LAW 400 Northtown Financial Plaza 200 Coon Rapids Boulevard Minneapolis, MN 55433 (612) 780 -8500 FAX (612) 780 -1777 Writer's Direct Line: (612) 783 -5136 Barb Dacy Fridley Municipal Center 6431 University Ave NE Fridley, MN 55432 Re: Fridley Housing & Redevelopment v. Fitch Our File No. 42001 -002 Dear Barb: 7.2 PAMELA M. HARRIS v CHARLES A SEYKORA WILLIAM M. HANSEN DANIEL D. GANT-Elk, JR. BEVERLY K. DODGE GREGG V. HERRICK JAMES D. HOEFT JOAN M. QUADE SCOTT M. LEPAK STEVEN L. MACKEY DAVID M. WEIGEL ELIZABETH A. SCHADING ROBERT C. HYNES 1935 -1993 This is just to bring you up to date on our activity in the above matter. As a result of the tentative settlement that was reached at the time your deposition and that of Bill Burns was scheduled, the motion for summary judgment that we had already filed, and the then existing scheduling order which was at that time about to expire, had to be.extended. Through a motion submitted by mail based upon a stipulation of counsel, the scheduling order was amended extending the date by which discovery was to be completed to October 1st, and the date by which dispositive motions, including our summary judgment motion, had to be heard to November 1st. Because the contingencies in the settlement agreement relating to the development agreement had not yet been reached by the end of that scheduling order, we again had to ask the Court to extend that order. That, again, was done by a motion to the Court based upon the stipulation of counsel. Enclosed you will find the latest order extending discovery to February 1st, and the hearing on dispositive motions to March 1st. The Court has granted these extensions based on the representations of counsel that the case is essentially settled, but that there are certain contingencies that are not totally under the control of the parties to this lawsuit, and that the case cannot be dismissed until those contingencies are met. An Equal Opportunity Employer 7.3 Barb Dacy October 29, 1993 Page 2 We still have a pending motion for summary judgment. It was scheduled for a second time to be heard today, October 29th, but because of the extension of the scheduling order, it was stricken from the calendar. If the settlement is not concluded by the 1st of February, then that motion must again be reinstated to be heard before March 1, 1994. Likewise, any discovery which yet needs to be done (Martinson does have his outstanding request the deposition of you and Bill Burns) will have to be completed by February 1st. Hopefully, the matter will be brought to a conclusion before those actions need to'be taken. I am not sure what kind of reception we would get by the Court if we ask, for the third time, for an extension of the scheduling order. If you have any questions, Barb, please give me a call. Y STEFFEN, LTD. 1 A. Jensen :tpf Enclosure STATE'OF MINNESOTA COUNTY OF ANOKA ?.4 CONDEMNATION DISTRICT COURT TENTH JUDICIAL DISTRICT Court File No. C7 -91 -4439 The Housing and Redevelopment Authority of the City of Fridley, Minnesota, a public body FILED corporate and politic under the laws of the State of Minnesota, Petitioner, . OCT L 8 1993 ORDER vs . JANE F. MORROW COURT .t!N,G ?3TPATOR Ernest L. Fitch, Muriel K. Fitch, ANOKA wUNTY• MN Donald A. Fitch, and Judith A. CHAN1'FL I PL's► rRS Fitch, OEPUTY Respondents. Upon the joint request of Counsel for all the parties, the Scheduling Order issued on November 25, 1992 and amended on July 15, 1993 is hereby Ordered to conform with the following: 1. The parties shall complete discovery by February 1, 1994. 2. Dispositive motions shall be heard by March 1, 1994. 3. A Joint Statement of the Case will be filed by April 1, 1994. Dated: 1h L 7, ti � � BY THE COURT 17 = OF DISTRICT COURT 8.1 Community Development Department D HOUSING AND REDEVELOPMENT AUTHORITY City of Fridley DATE: November 10, 1993 TO: William Burns, Executive Director of HRA FROM: Barbara Dacy, Community Development Director SUBJECT: Westminster Project Update Jim Casserly is still in the process of developing a development contract as directed by the HRA regarding the Westminster Norwood square senior housing project. We hope to have a development contract and resolution for approval by the HRA at its December meeting. BD:ls M -93 -659 a° 0 9.1 Community Development Department HOUSING AND REDEVELOPMENT AUTHORITY City of Fridley DATE: November 10, 1993 TO: William Burns, Executive Director of HRA FROM: Barbara Dacy, Community Development Director SUBJECT: 1994 Meeting Dates The HRA should note and confirm the availability for the 1994 HRA meeting dates. Changes are proposed to the first half of the year since the Executive Director is committed to attend the Association of Metropolitan Municipalities' Board meeting on the second Thursday of each month. Therefore, it is proposed that the HRA meet on the first Thursday of the month beginning in January 1994 and ending in May 1994. Also, note that the December 1993 meeting is scheduled for the third Thursday in order to provide adequate time to prepare items which need to be concluded in 1993. The meeting dates are as follows: December 16, 1993 (third Thursday) January 6, 1994 (first Thursday) February 3, 1994 (first Thursday) March 3, 1994 (first Thursday) April 7, 1994 (first Thursday) May 5, 1994 (first Thursday) June 9, 1994 (second Thursday) July 14, 1994 (-second Thursday) August it (second Thursday) September 8, 1991 (second Thursday) October 13, 199( (second Thursday) November 10, 199Y (second Thursday) December 8 (second Thursday) c Please let us know as far in advance as possible as whether or not you can attend these meetings. BD:ls M -93 -660 I i 10.1 Community Development Department HOUSING AND REDEVELoPMENT AUTHORITY DATE: November 10, 1993 City of Fridley TO: William Burns, Executive Director of HRA FROM: Barbara Dacy, Community Development Director SUBJECT: Hedman Acquisition Update David Hedman has agreed on an acquisition price of $68,000 (the purchase agreement and correspondence are, attached). The 1993 assessed valuation of the property is $66,200. I will be inspecting the home with ACCAP on Monday, November 15, 1993, to determine their interest in moving the home to another location in Anoka County. ACCAP indicated on a preliminary basis that they may not be able to move the house this fall because of the inability to find a lot and dig a foundation prior to the winter freeze. In the meantime, ACCAP has inquired as to whether or not the HRA would be willing to allow them to lease the house to a transitional family and possibly move the family with the house in the spring. We will provide the HRA with more details about ACCAP's proposal after our meeting on Monday, November 15, 1993. Sadie Gunderson has agreed to extend the option agreement for an additional year. An executed copy of the purchase agreement is also attached. We hope to close on the Hedman property within the next 3 -4 weeks. Another update will be provided at the December meeting. BD:ls M -93 -662 �o ` 4.4- �M ^\ i ~ ft�wY k. 10.2 AMENDMENT TO PURCHASE AGREEMENT 1 o.3 THIS AMENDMENT TO PURCHASE AGREEMENT, by and between the Housing and Redevelopment Authority in and for the City of Fridley (Buyer ") as assignee and successor in interest to FAIRFIELD PROPERTIES, INC., a Minnesota corporation armed SADIE H. GUNDERSON ( "Seller "), made and entered into this day of _Oelr %3 , 1993. In consideration of the premises and of other good and valuable consideration, Seller and Buyer hereby amend said Purchase Agreement and agree as follows: 1. EXTENDED CLOSING DATE: The date of closing is hereby extended from October 31, 1993 to no later than October 31, 1994 subject to all terms and conditions set forth in the Purchase Agreement dated November 7, 1986 between Fairfield Properties, Inca and Sadie H. Gunderson. 2. EARNEST MONEY: If the closing occurs on or before October 31, 1994, then the $5,500 non - refundable Earnest Money previously paid and the $500 of non- refundable Earnest Money paid with this Amendment (a total of $6,000) will be applied to the Purchase Price in accordance with the terms of said Purchase Agreement applicable to all payments of Earnest Money. IN WITNESS WHEREOF, the parties have caused these presents to be executed as of the day and year first above written. SADIE H. GUNDERSON (SELLER) ��0' . 10 THE HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF FRIDLEY, MINNESOTA (BUYER) By a __I , 9 Its Executive Director 10.4 G7YOF FRIDLEY FRIDLEY MUNICIPAL CENTER • 6431 UNIVERSITY "E. N.E. FRIDLEY. MN 55432 . (612) 571 -3450 • FAX (612) 571 -1287 October 29, 1993 David G. Hedman 5695 West Moore Lake Drive Fridley, MN 55432 Dear Mr. Hedman: This is to confirm that we agreed to a purchase price of $68,000 in a telephone conversation on Monday, October 18, 1993. Since that time, I have been working with our attorney, Jim Casserly, for your property regarding the procedures for closing. The following must be completed: 1. Enclosed is the amended purchase agreement stating that the purchase price is $74,000. The $6,000 previously paid to you equals our agreed -upon price of $68,000. 2. The seller is responsible for extending the abstract of title pertaining to the property. You should contact the Old Republic Title Company at 371 -1111 to extend the abstract. This company was involved with other closings on the Lake Pointe property so they would be the most appropriate choice to update your abstract. You would be responsible for this cost. 3. Also ask the Title Company to prepare a title.insurance policy. The HRA would pay for the title insurance policy. 4. Ask the Title Company to prepare the warranty deed, an affidavit, and any other necessary closing papers. Again, this is typically the seller's expense. 5. Try to find out when the Title Company would complete its work. Based on its completion date, we can then establish the appropriate closing date. In the meantime, I will notify the HRA of the results of our negotiation. Maybe we can look to a closing date on December 1, 1993. 10.5 David G. Hedman October 29, 1993 Page 2 6. All property taxes would be pro -rated to the date of closing. At this point in time, there are no special assessments pending against the property. Should you have any questions, please feel free to contact me. Sincerely, Barbara Dacy Community Development Director BD:ls cc: William Burns, City Manager Jim Casserly Casserly Molzahn & Associates 215 South 11th Street,'Suite 300 Minneapolis, MN 55402 4'- - . ros. AMENDMENT TO PURCHASE AGREEMENT THIS AMENDMENT TO PURCHASE AGREEMENT, by and between the Housing and Redevelopment Authority in and for the City of Fridley (Buyer ") as assignee and successor in interest to FAIRFIELD PROPERTIES, INC., a Minnesota corporation and DAVID G. HEDMAN ( "Seller "), made and entered into this day of , 1993. In consideration of the premises and of other good and valuable consideration, Seller and. Buyer hereby amend said Purchase Agreement and agree as follows: 1. PURCHASE PRICE: The Purchase Price in said Purchase Agreement is hereby reduced to $74,000. 2. EXTENDED CLOSING DATE: The date of closing is hereby extended from October 31, 1993 to no later than December 15, 1993 subject to all terms and conditions set forth in the Purchase Agreement. 3. EARNEST MONEY: If the closing occurs on or before December 15, 1993, then the $6,000 Earnest Money previously paid will be applied to the Purchase Price in accordance with the terms of said Purchase Agreement applicable to all payments of Earnest Money. IN WITNESS WHEREOF, the parties have caused these presents to be executed as of the day and year first above written. DAVID G. HEDMAN (SELLER) THE HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF FRIDLEY, MINNESOTA (BUYER) By Community Development Department HOUSING AND REDEVELOPMENT AuTmRITY November 10, 1993 City of Fridley TO: William Burns, Executive Director of BRA FRaK: Barbara Dacy, Clommmity Development Director SUBJWT: Loan Request by Parson's Electric C cupany Parson's Electric purchased the former Simer Pump building at 5780 Main Street in September 1993. Since that time, they have been remodeling and rehabilitating the building. Parson's Electric is an electrical contractingcxanpany and employs up to 400 field electricians. Major projects that they have worked on include the State Theatre, Mall of America, the De LaSalle Plaza building, and tenant spaces in the Norwest Tower. Parson's Electric purchased the building cn a contract- for -deed for apprmc mately $850,000. About $ 150,000 was paid by the new owner in cash and the remaining $650,000 is secured by a note requiring annual payments (there is no balloon payment) . Parson's Electric anticipates a cost of $1,000,000 to rehabilitate the building. They believe the project cost ranges frown $1,800,000 to $2,000,000. Parson's Electric has requested a $500,000 loan for a five to six year term at a 5% .interest rate. Zhe parcel is not located in a redevelopment project area or a tax increment district. Creating a tax increment district is not possible since the improvements have. started. Creating a project area -is possible; hcwevgr, it does raise concerns about the applicability of the "But For" test when using tax increment monies to provide a loan payment. Further, assuming that the project cost is $1,800,000, the current EPA policy is to provide no more than 5 -151t in assistance via a loan. This equates to a loan ranging from $100,000 to $300,000. Reca mtendation Staff is concerned about pursuing the creation of a project area and a loan to Parson's Electric. Zhe HRA could be subject to criticism for using tax increment fluids for a project whose improvements are already occurring. Should the HRA want to establish a program which assists businesses in these types of situations, separate policies and procedures should be, established to clearly differentiate between the two programs. Further, the amount of the loan is such that it is beyond past guidelines for assistance projects. BD:ls M- 93-666 e PARSONS ELECTRIC CO. 917 FIFTH AVENUES., MPLS., MN 55404 November 9, 1993 City of Fridley 6431 University Avenue NE Minneapolis, MN 55432 Attention: Barb Dacy Re: Economic Development Loan Dear Barb: ,ter° 11.2 FAX (612) 339 -8843 612/339 -8761 I have enclosed some additional information about Parsons Electric Co. that you may find helpful. In general, I have outlined the terms of the loan we hope to obtain along with some other information. Loan Amount: $500,000 Term: 5 to 6 years Rate: 5%. Repayment Schedule: Principal & Interest repaid monthly. Amortization Period: Consistent with Loan Term Security: Second Mortgage & Personal Guarantee Occupancy: November 29, 1993 Employees: 300 Barb, if you think it would be helpful for me to be present at your intial council meeting, please call me and I will make myself available. Sincere y� Tim thy F. Floeder Secretary/Treasurer PARSONS 1 1 3 ELECTRIC CO. COMPANY HISTORY Parsons Electric Co. was founded in 1927, incorporated in 1946 and moved to its present address in 1947. Parsons Electric Co. is one of the largest electrical contracting companies in the area employing up to 400 field electricians and has been involved in building and maintaining many of the major facilities in the state. Parsons Electric Co. is organized into four operating divisions with the division managers reporting to the company president. The contract and special projects divisions are the largest of the four divisions. Parsons is a closely held corporation; Donald Dolan is the Company President and sole stockholder. Don Michel is a Vice President and manages the Special Projects Division. Mike Oelrich is Vice President of the Contract Division. Tim Floeder is Secretary/Treasurer. Our Technical Services and Equipment Sales divisions are managed by Jim Moryn. Our Company's organization enables us to provide our customers excellent service for all their electrical needs. 11.4 REFERENCES BANK: NORWEST BANK MINNESOTA, N.A. Norwest Center Sixth and Marquette Minneapolis, MN 55470 Commercial Account Officer: Dennis Johnson Vice President (612) 667 -7178 BONDING COMPANY: CNA INSURANCE COMPANIES 700 Piper Jaffray Tower P.O. Box 9322 Minneapolis, MN 55440 Bond Manager: Timothy P. Killeen (612) 336 -2525 BONDING / INSURANCE AGENT: OSBORNE INSURANCE AGENCY 1935 West Burnsville Parkway Burnsville, MN 55337 Account Executive:- Mark Kampf (612) 890 -0414 SUPPLIERS: BARBER ELECTRIC SUPPLY, INC. 470 Kittson Street St. Paul, MN 55101 (612) 224 -5781 GRAYBAR ELECTRIC COMPANY 2300 East 25th Street Minneapolis, MN 55406 (612) 721 -3545 NORTHLAND ELECTRIC COMPANY 521 South Tenth Street Minneapolis, MN 55404 (612) 341 -6100 DUN & BRADSTREET: #00- 780 -6367 Rating 3A2 a5A - Draft: October 11, 1993 CONTRACT FOR PRIVATE REDEVELOPMENT By and Between THE HOUSING AND REDEVELOPMENT AUTHORITY In and For THE CITY OF FRIDLEY, MINNESOTA And VICTOR ROSENBLUM This document was drafted by: Casserly Law Office, P.A. 215 South 11th Street Minneapolis, Minnesota 55403 TABLE OF CONTENTS ARTICLE I Definitions Section 1.1 Definitions ARTICLE II Representations and Warranties Section 2.1 Representations by the Authority Section 2.2 Representations and Warranties by the Redeveloper ARTICLE III Undertakings of Authority and Redeveloper Section 3.1 Loan to Redeveloper for Site Improvements Section 3.2 Limitations on Undertaking of the City Section 3.3 Conditions Precedent to Authority Loan ARTICLE IV Construction of Minimum Improvements Section 4.1 Construction of Minimum Improvements Section 4.2 Completion of Construction Section 4.3 Certificate of Completion ARTICLE V Events of Default Page 3 N. 11 10 10 10 Section 5.1 Events of Default^Defined 12 Section 5.2 Remedies on Default 13 Section 5.3 No Remedy Exclusive 13 Section 5.4 No Implied Waiver 13 Section 5.5 Agreement to Pay Attorney's Fees and Expenses 13 ARTICLE VI Prohibitions Against Assignment and Transfer Section 6.1 Representation as to Redevelopment 14 Section 6.2 Prohibition Against Transfer of Property and Assignment of Agreement 14 ARTICLE VII Additional Provisions Section 7.1 Conflict of Interests 15 Section 7.2 Restrictions on Use 15 Section 7.3 Titles of Articles and Sections 15 Section 7.4 Notices and Demands 15 Section 7.5 Indemnification of Authority 16 Section 7.6 Counterparts 16 Section 7.7 Law Governing 16 Section 7.8 Expiration 16 Section 7.9 Provisions Surviving Rescission or Expiration 16 ARTICLE VIII Mortgage Financin Section 8.1 Limitation Upon Encumbrance of Property 17 Section 8.2 Approval of Mortgage 17 Section 8.3 Notice of Default; Copy to Mortgagee 18 Section 8.4 Mortgagee's Option to Cure Defaults 18 Section 8.5 Authority's Option to Cure Default on 29 SCHEDULE F Mortgage 18 Section 8.6 Subordination and Modification for the Benefit of Mortgagees 19 SIGNATURES 20 SCHEDULE A Description of Redevelopment Property 22 SCHEDULE B Site Improvements 23 SCHEDULE C Certificate of Completion 24 SCHEDULE D Note 26 SCHEDULE E Authority Mortgage 29 SCHEDULE F Permitted Encumbrances 33 CONTRACT FOR PRIVATE REDEVELOPMENT 3 THIS AGREEMENT, made on 199'by and between the Hous: an for the City of Fridley, political subdivision of the the Constitution and laws of Rosenblum (the "Redeveloper" WITNESSETH: or as of the 1st day of September, ing and Redevelopment Authority in Minnesota (the "Authority "), a State of Minnesota organized under the State of Minnesota and Victor ) , WHEREAS, the Board of Commissioners (the "Board ") of the Authority has determined that there is a need for development and redevelopment within the corporate limits of the City to provide employment opportunities, to provide adequate housing in the City, including low and moderate income housing and housing for the elderly, to improve the tax base and to improve the general economy of the City and the State of Minnesota; WHEREAS, in furtherance of these objectives, the Authority has established, pursuant to Minnesota Statutes, Sections 469.001 et sear. (the "Act "), the development program known as the Modified Redevelopment Plan for its Redevelopment Project No. 1 (which program, as amended, and as it may be amended, is hereinafter referred to as the "Redevelopment Program ") in the City to encourage and provide maximum opportunity for private development and redevelopment of certain property in the City which.is not.now in its highest and best use; WHEREAS, major objectives in establishing the Redevelopment Program are to: 1. Promote and secure the prompt redevelopment of certain property in the Redevelopment Program, which property is not now in its highest and best use in a manner consistent with the City's Comprehensive Plan and with a minimum adverse impact on the environment, and thereby promote and secure the redevelopment of other land in the City. 2. Provide additional employment opportunities within the Redevelopment Program and the City for residents of the City and the surrounding area, thereby improving living standards, reducing unemployment and the loss of skilled and unskilled labor and other human resources in the City. 3. Prevent the deterioration and secure the increase of commercial /industrial property subject to taxation by the City, the Independent School Districts, Anoka County, and the other taxing jurisdictions in order to better enable such entities to pay for governmental services and programs required to be provided by them. 4. Provide for the financing and construction for public improvements in and adjacent to the Redevelopment Program necessary for the orderly and beneficial redevelopment of the Redevelopment Program and adjacent areas of the City. 5. Promote the concentration of new desirable industrial, office, and other appropriate redevelopment in the Redevelopment Program so as to maintain the area in a manner compatible with its accessibility and prominence in the City. 6. Encourage local business expansion, improvement, and redevelopment, whenever possible. 7. Create a desirable and unique character within the Redevelopment Program through quality land use alternatives and design quality in new or remodeled buildings. 8. Encourage and provide maximum opportunity for private redevelopment of existing areas and structures which are compatible with the Redevelopment Program; and WHEREAS, in order to achieve the objectives of the Authority and City in creating the Redevelopment Program the Authority is prepared to acquire that certain real property located in the Redevelopment Program (such real property is more particularly described in Schedule A to this Agreement) and to convey said real property to the Redeveloper for development and redevelopment in accordance with this Agreement; and WHEREAS, the Authority believes that the development and redevelopment of the Redevelopment Property pursuant to this Agreement, and fulfillment generally of the terms of this Agreement, are in the vital and best interests of the Authority and the health, safety, morals and welfare of its residents, and in accord with the public purposes and provisions of applicable federal, state and local laws under which the development and redevelopment are being undertaken and assisted; NOW, THEREFORE, in consideration of the premises and the mutual obligations of the parties hereto, each of them does hereby covenant and agree with the other as follows: E ARTICLE I Definitions Section 1.1 Definitions. In this Agreement, unless a different meaning clearly appears from the context: "Act" means Minnesota Statutes, Section 469.001 et sue. "Agreement" means this Agreement, as the same may be from time to time modified, amended, or supplemented. "Authority" means the Housing and Redevelopment Authority in and for the City of Fridley, Minnesota. "Authority Mortgage" means a mortgage which is secured by the Redevelopment Property, the form of which is attached hereto as Schedule E and may be subordinate to the Mortgage. "Certificate of Completion" means the certification, in the form of the certificate contained in Schedule C attached to and made a part of this Agreement, provided to the Redeveloper, pursuant to Section 4.4 of this Agreement. "City" means the City of Fridley, Minnesota. "Construction Plans" means the plans, specifications, drawings and related documents on the construction work to be performed by the Redeveloper on the Redevelopment Property which (a) shall be as detailed as the plans, specifications, drawings and related documents which are submitted to the building inspector or the City, and (b) shall include at least the following for each building: (1) site plan; (2) foundation plan; (3) basement plans; (4) floor plan for each floor; (5) cross sections of each (length and width); (6) elevations (all sides, except as to a side of existing structure where no construction is to take place); (7) facade and landscape plan; and (8) such other plans of supplements to the foregoing plans as the City may reasonably request. "Council" means the Council of the City. "County" means the County of Anoka, Minnesota. . "Guarantee" means the guarantee of payment of the Note and performance of this Agreement, which is attached hereto as Schedule F. "Holder" means the owner of a Mortgage. 3 "Minimum Improvements" means the construction of an office/ warehouse /manufacturing building of approximately 29,000 square feet on the Redevelopment Property with total estimated project costs of $2,250,000 and total estimated construction costs of $1,000,000. "Minnesota Environmental located at Minnesota Statutes, amended. "Minnesota Environmental located at Minnesota Statutes, amended. Policy Act" means the statutes Sections 116D.01 et sea., as Rights Act" means the statutes Sections 116B.01 et sea., as "Mortgage" means any mortgage or security agreement in which the Redeveloper has granted a security interest in the Redevelopment Property, or any portion thereof, or any improvements constructed thereon, and which is a permitted encumbrance pursuant to the provisions of Article VIII. "National Environmental Policy Act" means the federal law located at 42 U.S.C. Sub. Sect. 4331 et sea., as amended. "Note" means the note in the principal amount of One Hundred Twenty Five Thousand and no /hundredths Dollars ($125,000) or the cost of the Site Improvements, whichever is less, substantially in the form of Schedule D attached to this Agreement, and to be made by the Redeveloper payable to the order of the Authority in accordance with the terms of this Agreement. If the Note principal is less than $125,000, then the Payment Schedule attached as Exhibit A to the Note shall be reduced proportionately. "Permitted Encumbrances" means the encumbrances described on Schedule F to this Agreement. "Project Area" means Redevelopment Project No. 1, as amended, established in accordance with the Act. "Redeveloper" means Victor Rosenblum. "Redevelopment Program" means the modified redevelopment program adopted by the Authority for its Redevelopment Project No. 1, as amended. "Redevelopment Project" means the Redevelopment Property and the Minimum Improvements. "Redevelopment Property" means the real property described in Schedule A of this Agreement. 4 "Site Improvements" means those costs described on Schedule B as qualified improvements of the Redevelopment Property. "State" means the State of Minnesota. "Unavoidable Delays" means delays which are the direct result of strikes, delays which are the direct result of unforeseeable and unavoidable casualties to the Minimum Improvements, the Redevelopment Property or the equipment used to construct the Minimum Improvements, delays which are the direct result of governmental actions, delays which are the direct result of judicial action commenced by third parties, citizen opposition or action affecting this Agreement or adverse weather conditions or acts of God. 5 ARTICLE II Representations and Warranties Section 2.1 Representations by the Authority. The Authority makes the following representations as the basis for the undertaking on its part herein contained: (a) The Authority is a public'body duly organized and existing under the laws of the State. Under the provisions of the Act, the Authority has the power to enter into this Agreement and carry out its obligations hereunder. (b) The Authority has approved the Redevelopment Program in accordance with the terms of the Act. (c) To finance the costs of the activities to be undertaken by the Redeveloper, the Authority proposes, in accordance with the provisions of this Agreement, to loan to the Redeveloper the Note principal for Site Improvements. (d) The Authority will cooperate with the Redeveloper with respect to any litigation commenced by third parties in connection with this Agreement. Section 2.2 Representations and Warranties by the Redeveloper. The Redeveloper represents and warrants that: (a) The Redeveloper will construct, operate and maintain the Minimum Improvements in accordance with the terms of this Agreement, the Redevelopment Plan and all local, state and federal laws and regulations (including, but not limited to, environmental, zoning, building code and public health laws and regulations). (b) The Minimum Improvements will be an allowed used under the zoning ordinance of the City. (c) As of the date of execution of this Agreement, the Redeveloper has received no notice or communication from any local, state or federal official that the activities of the Redeveloper or the Authority in the Project Area may be or will be in violation of any environmental law or regulation. As of the date of execution of this Agreement, the Redeveloper is aware of no facts, the existence of which would cause it to be in violation of any local, state or federal environmental law, regulation or review procedure or which would give any person a valid claim under the Minnesota Environmental Rights Act. 6 (d) The Redeveloper will use its best efforts to obtain, in a timely manner, all required permits, licenses and approvals, and will meet, in a timely manner, all requirements of all applicable local, state and federal laws and regulations which must be obtained or met before the Minimum Improvements may be lawfully constructed. (e) The Redeveloper agrees that it will cooperate with the Authority and shall indemnify the Authority against all costs, including the costs of defense incurred by the Authority through an attorney of its choosing, with respect to any litigation commenced by third parties in connection with this Agreement. (f) The financing arrangements which the Redeveloper has obtained or will obtain, to finance acquisition or construction of the Minimum Improvements, together with financing provided by the Authority pursuant to-this Agreement, will be sufficient to enable the Redeveloper to successfully complete the Minimum Improvements as contemplated in this Agreement. (g) The construction of the Minimum Improvements, in the opinion of the Redeveloper, would not reasonably be expected to occur solely through private investment within the reasonably foreseeable future without the use of tax increment financing provided by the City pursuant to this Agreement. (h) For the construction of the Minimum Improvements the Redeveloper will pay wages in accordance with the prevailing wage rate as that term is defined in Minnesota Statutes, Section 177.42, Subdivision 6 and in the City Resolution No. 25 - 1990. The City's Public Works Department shall be responsible for monitoring Redeveloper's compliance of this requirement. 7 ARTICLE III Undertakings of Authority and Redeveloper Section 3.1 Loan to Redeveloper for Site Improvements. As consideration for the execution of this Agreement and the construction of the Minimum Improvements by the Redeveloper, subject to the further provisions of this Agreement, the Authority agrees to loan to the Redeveloper for Site Improvements the Note principal as provided in Section 3.3 and Article VIII. Section 3.2 Limitations on Undertaking of the City. (1) The Authority shall have no obligation to the Redeveloper under this Agreement to loan the Note principal to the Redeveloper for the Site Improvements if the Authority, at the time the loan is to be made is entitled under Section 5.2 to exercise any of the remedies set forth therein as a result of an Event of Default which has not been cured. If the Authority has not exercised its remedies under Section 5.2(b) and if the loan is withheld due to an Event of Default which is later cured, such loan shall be made after such Event of Default has been cured. (2) The Authority shall have no obligation to loan the Note principal to the Redeveloper for the Site Improvements unless the Redeveloper has submitted to the Authority the original purchase agreement whereby it acquired the Redevelopment Property from Trillium Corporation and, if necessary, invoices for the Site Improvements along with a certification signed by the Redeveloper's project architect to the effect that the costs for which.payment was made have been incurred in connection with construction documents previously reviewed by the Authority. The Redeveloper shall also provide lien waivers from the contractors, subcontractors and /or construction managers for the Site Improvements. The Authority shall indicate its acceptance of the amounts for the loan, assuming the conditions of this section have been complied with and there is no Event of Default, when it issues a Certificate of Completion in accordance with Section 4.3. Section 3.3 Conditions Precedent to Authority Loan. The Authority's obligation to loan the Note principal in accordance with Section 3.1 shall be contingent upon the satisfaction by the Redeveloper of the following conditions precedent: (a) The Redeveloper shall be in material compliance with all of the terms and provisions of this Agreement. (b) The Redeveloper shall have received a Certificate of Completion from the Authority, pursuant to Section 4.3 of this Agreement. 91 (c) There shall have been obtained from the City all special use permits and zoning approvals necessary for the construction of the Minimum Improvements. (d) That the Redeveloper shall be in compliance with all ordinances of the City. (e) The execution by the Redeveloper of the Note attached as Schedule D. (f) The execution by the Redeveloper of the Authority Mortgage attached as Schedule E. ARTICLE IV Construction of Minimum Improvements Section 4.1 Construction of Minimum Improvements. The Redeveloper agrees that it will construct the Minimum Improvements on the Redevelopment Property in accordance with the Construction Plans approved by the City. Section 4.2 Completion of Construction. Subject to Unavoidable Delays, the Redeveloper shall achieve substantial completion of the construction of the Minimum Improvements by December 31, 1994. All work with respect to the Minimum Improvements to be constructed or provided by the Redeveloper on the Redevelopment Property shall be in conformity with the Construction Plans. The Redeveloper agrees for itself, its successors and assigns, and every successor in interest to the Redevelopment Property, or any part thereof, that the Redeveloper, and such successors and assigns, shall diligently prosecute to completion the development of the Redevelopment Property through the construction of the Minimum Improvements thereon, and that such construction shall in any event be completed within the period specified in this Section 4.2 of this Agreement. Section 4.3 Certificate of Completion. (a) Promptly after substantial completion of the Minimum Improvements in accordance with those provisions of the Agreement relating to the obligations of the Redeveloper to construct the Minimum Improvements (including the date for completion thereof), the Authority will furnish the Redeveloper with an appropriate instrument so certifying. Such certification by the Authority shall be (and it shall be so provided in the certification itself) a conclusive determination of satisfaction and termination of the agreements and covenants in the Agreement with respect to the obligations of the Redeveloper, and its successors and assigns, to construct the Minimum Improvements and the date for the completion thereof. (b) If the Authority shall refuse or fail to provide any certification in accordance with the provisions of this Section 4.3 of this Agreement, the Authority shall, within ten (10) days after written request by the Redeveloper, provide the Redeveloper with a written statement, indicating in adequate detail in what respects the Redeveloper has failed to complete the Minimum Improvements in accordance with the provisions of the Agreement, or is otherwise in default, and what measures or acts it will be necessary, in the opinion of the Authority, for the Redeveloper to take or perform in order to obtain such certification. 10 (c) The construction of the Minimum Improvements shall be deemed to be substantially completed when the Redeveloper has received an occupancy permit from the City's building inspector, which permit shall not be unreasonably withheld. 11 ARTICLE V Events of Default Section 5.1 Events of Default Defined. The following shall be "Events of Default" under this Agreement and the term "Event of Default" shall mean whenever it is used in this Agreement any one or more of the following events: (a) Failure by the Redeveloper to timely pay all ad valorem real property taxes assessed with respect to the Redevelopment Property. (b) Failure by the Redeveloper to complete the Minimum Improvements pursuant to the terms, conditions and limitations of this Agreement. (c) The holder of any mortgage on the Redevelopment Property or any improvements thereon, or any portion thereof, commences foreclosure proceedings as a result of any default under the applicable mortgage documents. (d) Failure by the Redeveloper to substantially observe or perform any other covenant, condition, obligation or agreement on its part to be observed or performed under this Agreement. (e) If the Redeveloper shall (A) file any petition in bankruptcy or for any reorganization, arrangement, composition, readjustment, liquidation, dissolution, or similar relief under the United States Bankruptcy Act of 1978, as amended or under any similar federal or-state law; or (B) make an assignment for the benefit of their creditors; or (C) admit in writing their inability to pay their debts generally as they become due; or (D) be adjudicated as bankrupt or insolvent; or if a petition or answer proposing the adjudication of the Redeveloper, as bankrupt or its reorganization under any present or future federal bankruptcy act or any similar federal or state law shall be filed in any court and such petition or answer shall not be discharged or denied within ninety (90) days after the filing thereof; or a receiver, trustee or liquidator of the Redeveloper, or if the Minimum Improvements, or part thereof, shall be appointed in any proceeding brought against the Redeveloper, and shall not be discharged within ninety (90) days after such appointment, 12 or if the Redeveloper shall consent to or acquiesce in such appointment. Section 5.2 Remedies on Default. Whenever any Event of Default referred to in Section 5.1 occurs and is continuing, the Authority, as specified below, may take any one or more of the following actions after providing thirty (30) days' written notice to the Redeveloper, but only if the Event of Default has not been cured within said thirty (30) days. (a) The Authority may suspend its performance under this Agreement until it receives assurances from the Redeveloper, deemed adequate by the Authority, that the Redeveloper will cure its default and continue its performance under this Agreement. (b) The Authority may cancel and rescind the Agreement. (c) Withhold the Certificate of Completion. Section 5.3 No Remedy Exclusive. No remedy herein conferred upon or reserved to the Authority is intended to be exclusive of any other available remedy or remedies, but each and every such remedy shall be cumulative and shall be in addition to every other remedy given under this Agreement or now or hereafter existing at law or in equity or by statute. No delay or omission to exercise any right or power accruing upon any default shall impair any such right or power or shall be construed to be a waiver thereof, but any such right and power may be exercised from time to time and as often as may be deemed expedient. Section 5.4 No Implied Waiver. In the event any agreement contained in this Agreement should be breached by any party and thereafter waived by any other party, such waiver shall be limited to the particular breach so waived and shall not be deemed to waive any other concurrent, previous or subsequent breach hereunder. Section 5.5 Agreement to Pay Attornev's Fees and Expenses. Whenever any Event of Default occurs and the Authority shall employ attorneys or incur other expenses for the collection of payments due or to become due or for the enforcement or performance or observance of any obligation or agreement on the part of the Redeveloper herein contained, the Redeveloper agrees that it shall, on demand therefor, pay to the Authority the reasonable fees of such attorneys and such other expenses so incurred by the Authority. 13 ARTICLE VI Prohibitions Against Assignment and Transfer Section 6.1 Representation as to Redevelopment. The Redeveloper represents and agrees that its purchase of the Redevelopment Property, and its other undertakings pursuant to this Agreement, are, and will be used, for the purpose of redevelopment of the Redevelopment Property and not for speculation in land holding. The Redeveloper further recognizes that, in view of (a) the importance of the redevelopment of the Redevelopment Property to the general welfare of the Authority, and (b) the substantial financing that has been made available by the Authority for the purpose of making such redevelopment possible, the qualifications and identity of the Redeveloper are of particular concern to the Authority. The Redeveloper further recognizes that it is because of such qualifications and identity that the Authority is entering into this Agreement with the Redeveloper, and, in so doing, is further willing to accept and rely on the obligations of the Redeveloper for the faithful performance of all undertakings and covenants hereby by it to be performed. Section 6.2 Prohibition Against Transfer of Property and Assignment of Agreement. Also, for the foregoing reasons the Redeveloper represents and agrees that prior to the date of expiration as provided in Article VII, except for the purpose of obtaining financing necessary to enable the Redeveloper or any successor in interest to the Redevelopment Property, or any part thereof, to perform its obligations with respect to making the Minimum Improvements under this Agreement, and any other purpose authorized by this Agreement, the Redeveloper has not made or created and will not make or create or suffer to be made or created any total or partial sale, assignment, conveyance, or lease, or any trust or power, or transfer in any other mode or form of or with respect to this Agreement or the Redevelopment Property or any part thereof or any interest therein, or any contract or agreement to do any of the same, without the prior written approval of the Authority which shall not be unreasonably withheld unless the Redeveloper remains liable and bound by this Redevelopment Agreement in which event the Authority's approval is not required. Any such transfer shall be subject to the provisions of this Agreement. Notwithstanding the foregoing, the Redeveloper may transfer the Redevelopment Property to any corporation controlling, controlled by, or under common control with the Redeveloper or to any corporation or entity controlled by the Redeveloper. 14 ARTICLE VII Additional Provisions Section 7.1 Conflict of Interests. No member, official, or employee of the Authority shall have any personal interest, direct or indirect, in the Agreement, nor shall any such member, official or employee participate in any decision relating to the Agreement which affects his personal interests or the interests of any corporation, partnership, or association in which he is, directly or indirectly, interested. Section 7.2 Restrictions on Use. The Redeveloper shall not discriminate upon the basis of race, color, creed, sex or national origin in the sale, lease, or rental or in the use or occupancy of the Redevelopment Property or any improvements erected or to be erected thereon, or any part thereof. Section 7.3 Titles of Articles and Sections. Any titles of the several parts, Articles and Sections of the Agreement are inserted for convenience of reference only and shall be disregarded in construing or interpreting any of its provisions. Section 7.4 Notices and Demands. Except as otherwise expressly provided in this Agreement, a notice, demand, or other communication under this Agreement by either party to the other shall be sufficiently given or delivered if it is dispatched by registered or certified mail, postage prepaid, return receipt requested, transmitted by facsimile, delivered by a recognized overnight courier or delivered personally; and (a) in the case of the Redeveloper, is addressed to or delivered personally to'the mailing or delivery address the Redeveloper will, from time to time, furnish to the Authority. The Redeveloper's current address is as follows: Victor Rosenblum 8 Orme Court St. Paul, Minnesota 55126 (b) in the case of the Authority, is addressed to or delivered personally to: Housing and Redevelopment Authority in and for the City of Fridley 6431 University Avenue N.E. Fridley, Minnesota 55432 Attention: Executive Director 15 Section 7.5 Indemnification of Authority. (1) The Redeveloper releases from and covenants and agrees that the Authority, the City and its governing body members, officers, agents, including the independent contractors, consultants and legal counsel, servants and employees thereof (hereinafter, for purposes of this Section, collectively the "Indemnified Parties ") shall not be liable for and agrees to indemnify and hold harmless the Indemnified Parties against any loss or damage to property or any injury to or death of any person occurring at or about or resulting from any defect in the Minimum Improvements or the Redevelopment Property. (2) Except for any willful misrepresentation or any willful or wanton misconduct of the Indemnified Parties, the Redeveloper agrees to protect and defend the Indemnified Parties, now and forever, and further agrees to hold the aforesaid harmless from any claim, demand, suit, action or other proceeding whatsoever by any person or entity whatsoever arising or purportedly arising from the actions or .inactions of the Redeveloper (or if other persons acting on its behalf or under its direction or control) under this Agreement, or the transactions contemplated hereby or the acquisition, construction, installation, ownership, and operation of the Minimum Improvements or the Redevelopment Property; provided, that this indemnification shall not apply to the warranties made or obligations undertaken by the Authority in this Agreement. (3) All covenants, stipulations, promises, agreements and obligations of the Authority contained herein shall be deemed to be the covenants, stipulations, promises, agreements and obligations of the Authority and not of any governing body member, officer, agent, servant or employee of the Authority. Section 7.6 Counterparts. This Agreement is executed in any number of counterparts, each of which shall constitute one and the same instrument. Section 7.7 Law Governing. This Agreement will be governed and construed in accordance with the laws of the State. Section 7.8 Expiration. This Agreement shall expire when the Note is paid in full. Section 7.9 Provisions Surviving Rescission or Expiration. Sections 5.5 and 7.5 shall survive any rescission, termination or expiration of this Agreement with respect to or arising out of any event, occurrence or circumstance existing prior to the date thereof. 16 ARTICLE VIII Mortgage Financing Section 8.1 Limitation Upon Encumbrance of Property. Prior to the completion of the Minimum Improvements, as certified by the Authority, neither the Redeveloper nor any successor in interest to the Redevelopment Property or any part thereof shall engage in any financing or any other transaction creating any mortgage or other encumbrance or lien upon the Redevelopment Property, other than Permitted Encumbrances, whether by express agreement or operation of law, or suffer any encumbrance or lien to be made on or attach to the Redevelopment Property, other than Permitted Encumbrances, except: (a) For the purposes of obtaining funds only to the extent necessary for financing of the Minimum Improvements including, but not limited to, labor and materials, equipment, professional fees, real estate taxes, construction interest, organizational and other indirect costs of development, costs of constructing the Minimum Improvements, an allowance for contingencies, acquisition cost of the Redevelopment Property, costs of originating the Mortgage .and customary financing costs. (b) Only upon the prior written approval of the Authority in accordance with Sections 8.1 and 8.2. The Authority shall not approve any Mortgage which does not contain terms that conform to the terms of Section 8.5, except as provided in Section 8.6 of this Agreement. Section 8.2 Approval of Mortgage. The Authority shall approve a Mortgage if: - (a) The Authority first receives a copy of all mortgage documents. (b) The Mortgage loan, together with other funds available to the Redeveloper, will, in the reasonable judgment of the Authority, be sufficient to construct the Minimum Improvements; however, the Mortgage and Authority Mortgage shall not secure an amount greater than 90% of the casts described in Section 8.1(a). (c) The Authority is not entitled under Section 5.2 to exercise any of the remedies set forth therein as a result of an Event of Default. (d) The Authority determines that the terms of the Mortgage conform to the terms of Section 8.5. 17 However, the approval of a Mortgage by the Authority shall not be unreasonably withheld. Any Mortgage which is subordinated to the rights of the Authority under this Agreement may be granted in all or any part of the Redevelopment Property without the approval of the Authority. Section 8.3 Notice of Default; Cony to Mortgagee. Whenever the Authority shall deliver any notice or demand to the Redeveloper with respect to any breach or default by the Redeveloper in its obligations or covenants under this Agreement, the Authority shall at the same time forward a copy of such notice or demand to each Holder of any Mortgage authorized by this Agreement at the last address of such Holder shown in the records of the Authority. Section 8.4 Mortgagee's Option to Cure Defaults. After any breach or default referred to in Section 8.3, each such Holder shall (insofar as the rights of the Authority are concerned) have the right, at its option, to cure or remedy such breach or default (or such breach or default to the extent that it relates to the part of the Redevelopment Property covered by its mortgage) and to add�the cost thereof to the Mortgage debt and the lien of its Mortgage; provided, however, that if the breach or default is with respect to construction of the Minimum Improvements, nothing contained in this Section or any other Section of this Agreement shall be deemed to require such Holder, either before or after foreclosure or action in lieu thereof, to undertake or continue the construction or completion of the Minimum Improvements, provided that any such Holder shall not devote the Redevelopment Property to a use inconsistent with the Redevelopment Plan or this Agreement without the agreement of the Authority. Section 8.5 Authority's Option to Cure Default on Mortgage. Any Mortgage, unless such requirement is waived by the Authority, executed by the Redeveloper with respect to the Redevelopment Property or any improvements thereon shall provide that, in the event that the Redeveloper is in default under any Mortgage authorized pursuant to this Article VIII, the Holder shall notify the Authority in writing of: (a) The fact of the default. (b) The elements of the default. (c) The actions required to cure the default. If the default is an "Event of Default" under such Mortgage, which shall entitle such Holder to foreclose upon the Redevelopment Property, the Minimum Improvements or any portion thereof, and any applicable grace periods have expired, the Authority shall have, and each Mortgage executed by the 18 Redeveloper with respect to the Redevelopment Property or any improvements thereon shall provide that the Authority shall have such an opportunity to cure the "Event of Default" within such reasonable time period as the Holder shall deem appropriate. Section 8.6 Subordination and Modification for the Benefit of Mortgagees. (a) In addition to the subordination of the Authority Mortgage, in order to facilitate the obtaining of financing for the construction of the Minimum Improvements by the Redeveloper, the Authority agrees to subordinate its rights under this Agreement'to the Holder of a Mortgage for the purposes described in Section 8.1(a) of this Agreement. (b) In order to facilitate the obtaining of financing for the construction of -Ahe Minimum Improvements, the Authority agrees that it shall agree to any reasonable modification of this Article VIII or waiver of its rights hereunder to accommodate the interests of the Holder of a Mortgage, provided, however, that the Authority determines, in its reasonable judgment, that any such modification(s) will adequately protect the legitimate interest and security of the Authority with respect to the Redevelopment Property. IN WITNESS WHEREOF, the Authority has caused this Agreement to be duly executed in its name and behalf and the Redeveloper has caused this Agreement to be duly executed as of the date first above written.' 19 Dated: THE HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF FRIDLEY, MINNESOTA By Its Chairman And by Its Executive Director STATE OF MINNESOTA ) ss COUNTY OF ANOKA ) On this day of , 199_ before me, a notary public within and for Anoka County, personally appeared and to me personally known who by me duly sworn, did say that they are the Chairman and Executive Director of the Housing and Redevelopment Authority in and for the City of Fridley, Minnesota, a political subdivision of the State of Minnesota, and acknowledged the foregoing instrument on behalf of said Authority. Notary Public Authority Signature Page - Contract for Private Redevelopment 20 DATED: VICTOR ROSENBLUM By Victor Rosenblum STATE OF MINNESOTA ) )ss COUNTY OF ) On this day of , 199_ before me, a notary public within and for County, personally appeared and acknowledged the foregoing instrument. Notary Public Redeveloper Signature Page - Contract for Private Redevelopment 21 SCHEDULE A DESCRIPTION OF REDEVELOPMENT PROPERTY Lot 1, Block 5; and Outlots P, Q and S, In Great Northern Industrial Center, Fridley, Minnesota, In Anoka County, M. 22 SCHEDULE B SITE IMPROVEMENTS Acquisition of Redevelopment Property Grading and site preparation Development of Holding Pond 23 SCHEDULE C CERTIFICATE OF COMPLETION WHEREAS, the Housing and Redevelopment Authority in and for the City of Fridley, Minnesota, a Minnesota municipal corporation (the "Authority ") and Victor Rosenblum (the "Redeveloper ") have entered into a Contract for Private Redevelopment (the "Agreement ") dated as of , 199_, regarding certain real property referred to in the Agreement as the "Redevelopment Property" located in Redevelopment Project No. 1 in the City; and WHEREAS, the Agreement contains certain conditions and provisions requiring the Redeveloper to construct improvements upon the Redevelopment Property (hereinafter referred to and referred to in the Agreement as the "Minimum Improvements "); and WHEREAS, Section 4.3 of the Agreement requires the Authority to provide an appropriate instrument promptly after the substantial completion (as defined in the Agreement) of the Minimum Improvements so certifying said substantial completion; NOW, THEREFORE, in compliance with said Section 4.3 of the Agreement, this is to certify that the Redeveloper has substantially completed the Minimum Improvements in accordance with the conditions and provisions of the Agreement relating solely to the obligations of the Redeveloper to construct the Minimum Improvements (including the dates for beginning and completion thereof), and this certification shall be a conclusive determination of satisfaction and termination of the agreements and covenants in the Agreement with respect to the obligations of the Redeveloper, and its successors and assigns, to construct the Minimum Improvements and the dates for the beginning and completion thereof. Dated: , 19 24 THE HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF FRIDLEY, MINNESOTA By Its Chairman And by Its Executive Director STATE OF MINNESOTA ) ss COUNTY OF ANOKA ) On this day of , 199 before me, a notary public within and for Anoka County, personally appeared and to me personally known who by me duly sworn, did say that they are the Chairman and Executive Director of the Housing and Redevelopment Authority in and for the City of Fridley, Minnesota, a political subdivision of the State of Minnesota, and acknowledged the foregoing instrument on behalf of said Authority. Notary Public 25 SCHEDULE D NOTE US $125,000.00 Fridley, Minnesota 199 FOR VALUE RECEIVED, the undersigned (the "Borrower ") promises to pay to the Housing and Redevelopment Authority in and for the City of Fridley, Minnesota (the "Note Holder "), or order the principal sum of One Hundred Twenty Five Thousand Dollars ($125,000.00) with interest from August 1, 1994 on the unpaid principal balance until paid, at the rate of 5% percent per annum, and with payments due on the 1st day of each February and August in installments set forth on the payment schedule attached as Exhibit A. The entire unpaid principal balance together with accrued interest shall be due in full on August 1, 2002. Payments shall first be applied to interest with any excess applied to principal. A late payment penalty of five percent (5%) shall be charged on any payments not received at the mailing address designated by the Note Holder by 5:00 P.M. on the 15th day following the date on which the payment is due; interest will be calculated based on a 360 day year and charged on a per diem basis in each month. Principal and interest shall be payable at the Fridley Housing and Redevelopment Authority, 6431 University Avenue N.E., Fridley, Minnesota, 55432 or such other place as the Note Holder may designate. If said installment under this Note is not paid when due and remains unpaid after a date specified by a notice to Borrower, which date shall not be less than thirty (30) days after the date such notice is mailed, the Note Holder may exercise this option to accelerate during default by Borrower regardless of any prior forbearance. If suit is brought to collect this Note, the Note Holder shall be entitled to collect all reasonable costs and expenses of suit, including, but not limited to, reasonable attorney's fees. Borrower may prepay the principal amount outstanding in whole or in part. Any partial prepayment shall be applied against the principal amount outstanding. 26 Presentment, notice of dishonor, and protest are hereby waived by all makers, sureties, guarantors and endorsers hereof. This Note shall be the joint and several obligation of all makers, sureties, guarantors and endorsers, and shall be binding upon them and their successors and assigns. Any notice to Borrower provided for in this Note shall be given by mailing such notice by certified mail addressed to Borrower at: Victor Rosenblum 8 Orme Court St. Paul, Minnesota 55126 or to such other address as Borrower may designate by notice to the Note Holder. Any notice to the Note Holder shall be given by mailing such notice by certified mail, return receipt requested, to the Note Holder at the address stated in the first paragraph of this Note, or at such other address as may have been designated by notice to Borrower. The indebtedness evidenced by this Note is secured by a Mortgage, dated the day of , 199_, and reference is made to the Mortgage for rights as to acceleration of the indebtedness evidenced by this Note. By Victor Rosenblum 27 Exhibit A Payment Schedule February 1, 1997 August 1, 1997 February 1, 1998 August 1, 1998 February 1, 1999 August 1, 1999 February 1, 2000 August 1, 2000 February 1, 2001 August 1, 2001 February 1, 2002 August 1, 2002 OW 13,404 13,404 13,404 13,404 13,404 13,404 13,404 13,404 13,404 13,404 13,404 13,404 SCHEDULE E AUTHORITY MORTGAGE This Indenture, made this 1st day of , 199 between Victor Rosenblum and Marilyn L. Rosenblum, husband and ` wife (the "Mortgagor "), and the Housing and Redevelopment Authority in and for the City of Fridley, Minnesota (the "Mortgagee "): WITNESSETH: That Mortgagor, in consideration of the Mortgagee's covenants and agreements made under that certain Contract for Private Redevelopment by and between the Mortgagee and Victor Rosenblum dated as of , 199_, (the "Agreement ") and in order to secure the payment by the Mortgagor of all amounts required to be paid under Section 3.3 of the Agreement and the Note as provided in the Agreement, and further in consideration of the sum of One Dollar ($1.00), to Mortgagor in hand paid by Mortgagee, the receipt whereof is hereby- acknowledged, does hereby convey unto Mortgagee, forever, real property in Anoka County Minnesota, described as follows: Lot 1, Block 5; and Outlots P, Q and S, In Great Northern Industrial Center, Fridley, Minnesota, In Anoka County, MN. together with all hereditaments and appurtenances belonging thereto (the "Property "). TO HAVE AND TO HOLD THE SAME, to Mortgagee forever. Mortgagor covenants with Mortgagee as follows: That Mortgagor is lawfully seized of the Property and has good right to convey the same; that the Property is free from all encumbrances, except as follows: None that Mortgagee shall quietly enjoy and possess the same; and that Mortgagor will warrant and defend the title to the same against all lawful claims not hereinbefore specifically excepted. PROVIDED, NEVERTHELESS, that if Mortgagor shall pay Mortgagee all amounts payable by the Mortgagor under the Agreement and the Note in an amount not exceeding One Hundred Twenty Five Thousand Dollars ($125,000.00), and shall repay to Mortgagee, at the times and with interest as specified, all sums advanced in protecting the lien of this Mortgage, in payment of 29 taxes on the Property and assessments payable therewith, insurance premiums covering buildings thereon, principal or interest on any prior liens, expenses and attorney's fees herein provided for and sum advanced for any other purpose authorized herein, and shall keep and perform all the covenants and agreements herein contained, then this Mortgage shall be null and void, and shall be released at Mortgagor's expense. AND MORTGAGOR covenants with Mortgagee as follows: 1. To pay the amounts as specified in the Agreement and the Note. 2. To pay all taxes and assessments now due or that may hereafter become liens against the Property before penalty attaches thereto; 3. To keep all buildings, improvements and fixtures now or later located on or a part of the Property insured against loss by fire, extended coverage perils, vandalism, malicious mischief and, if applicable, steam boiler explosion, for at least the amount of the Mortgage at all times while any amount remains unpaid under this Mortgage. If any of the buildings, improvements or fixtures are located in a federally designated flood prone area, and if flood insurance is available for that area, Mortgagor shall procure and maintain flood insurance in amounts reasonably satisfactory to Mortgagee. Each insurance policy shall contain a loss payable clause in favor of Mortgagee affording all rights and privileges customarily provided under the so- called standard mortgage clause. The insurance shall be issued by an insurance company or companies licensed to do business in the State of Minnesota and acceptable to the Mortgagee. the insurance policies shall provide for not less than ten (10) days written notice to Mortgagee before cancellation, non - renewal, termination, or change in coverage, and Mortgagor shall deliver to Mortgagee a duplicate original or certificate of such insurance policies. 4. To pay, when due, both principal and interest of all liens or encumbrances. S. To commit or permit no waste on the Property and to keep it in good repair. 6. To complete forthwith any improvements which may hereafter be under course of construction on the Property; and 7. To pay any other expenses and attorney's fees incurred by Mortgagee by reason of litigation with any third party for the protection of the lien of this Mortgage. 30 8. To immediately pay the Note balance if the Property is sold or transferred except that the Property may be transferred to any corporation or partnership controlling, controlled by or under common control of the Mortgagor; or the property may be transferred to the heirs of Victor Rosenblum or his trustees in the event of his death. In case of failure to pay said taxes and assessments, prior liens or encumbrances, expenses and attorney's fees as above specified, or to insure said buildings, improvements, and fixtures and deliver the policies as aforesaid, Mortgagee may pay such taxes, assessments, prior liens,. expenses and attorney's fees and interest thereon, or obtain such insurance, and the sums so paid shall bear interest from the date of such payment at the same rate of 5% per annum, and shall be impressed as an additional lien upon the Property and be immediately due and payable from Mortgagor to Mortgagee and this Mortgage shall from date thereof secure the repayment of such advances with interest. In case of default in any of the foregoing covenants, Mortgagor confers upon the Mortgagee the option of declaring the unpaid balance of the Note and the interest accrued thereon, together will all sums advanced hereunder, immediately due and payable without notice, and hereby authorizes and empowers Mortgagee to foreclose this Mortgage by judicial proceedings or to sell the Property at public auction and convey the same to the purchaser in fee simple in accordance with the statute, and out of the moneys arising from such sale to retain all sums secured hereby, with interest and all legal costs and charges of such foreclosure and the maximum attorney's fees permitted by law, which costs, charges and fees Mortgagor agrees to pay. The terms of this Mortgage shall run with the Property and bind the parties hereto "and their successors in interest. IN TESTIMONY WHEREOF, Mortgagor has hereunto set its hand the day and year first above written. By Victor Rosenblum By Marilyn L. Rosenblum 31 STATE OF MINNESOTA ) )ss COUNTY OF On this day of , 199_ before me, a notary public within and for County, personally appeared Victor Rosenblum and Marilyn L. Rosenblum and acknowledged the foregoing instrument. This document was drafted by: Casserly Law Office, P.A. 215 South 11th Street Minneapolis, Minnesota 55403 32 Notary Public A e SCHEDULE F PERMITTED ENCUMBRANCES The following shall be permitted encumbrances on the title to the Redevelopment Property: (a) Such encumbrances as are mutually agreed to in writing by the Authority and the Redeveloper. (b) Governmental regulations, if any affecting the use and occupance of the Redevelopment Property and Minimum Improvements. (c) Zoning laws of the City, County an State. (d) All rights in public highways upon the land. (e) Reservations to the State, in trust for the tax districts concerned, of minerals and mineral rights in those portions of the Redevelopment Property the title to which may have at any time heretofore been forfeited to the State for nonpayment of real estate taxes. (f) The lien of unpaid special assessments, if any, not presently payable but to be paid as a part of the annual taxes to become due. (g) The lien of unpaid real estate taxes, if any, not presently payable but to be paid as a part of the annual taxes to become due. (h) A Mortgage as• permitted under Section 8.2. (i) Any Mortgage subordinate to the Authority Mortgage as permitted under Section 8.2. 33